Call reports 2004
QUILL BANK — 2004
What QUILL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 86,452,000 | 75,206,000 | 76,689,000 | 72,292,000 |
| Total loans | 44,926,000 | 47,065,000 | 46,955,000 | 49,253,000 |
| Allowance for loan losses | 1,810,000 | 2,074,000 | 2,019,000 | 1,878,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,628,000 | 68,246,000 | 69,361,000 | 64,775,000 |
| Interest-bearing deposits | 45,557,000 | 42,386,000 | 43,762,000 | 38,808,000 |
| Noninterest-bearing deposits | 34,071,000 | 25,860,000 | 25,599,000 | 25,967,000 |
| Equity capital | 6,752,000 | 6,860,000 | 7,034,000 | 7,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,931,000 | 2,997,000 | 4,141,000 |
| Interest expense | 119,000 | 228,000 | 340,000 | 447,000 |
| Net interest income | 831,000 | 1,703,000 | 2,657,000 | 3,694,000 |
| Noninterest income | 109,000 | 252,000 | 401,000 | 476,000 |
| Noninterest expense | 830,000 | 1,719,000 | 2,586,000 | 3,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 236,000 | 472,000 | 726,000 |
| Income tax | 25,000 | 43,000 | 116,000 | 209,000 |
| Net income | 85,000 | 193,000 | 356,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,752,000 | 6,860,000 | 7,034,000 | 7,145,000 |
| Total capital | 7,452,000 | 7,557,000 | 7,757,000 | 7,909,000 |
| Risk-weighted assets | 54,954,000 | 54,367,000 | 56,564,000 | 60,042,000 |