Call reports 2005
QUILL BANK — 2005
What QUILL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 69,589,000 | 78,268,000 | 79,930,000 | 75,987,000 |
| Total loans | 51,397,000 | 53,710,000 | 55,182,000 | 56,132,000 |
| Allowance for loan losses | 1,899,000 | 1,881,000 | 1,873,000 | 2,894,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,938,000 | 5,955,000 | 5,951,000 | 5,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,771,000 | 64,943,000 | 66,575,000 | 62,483,000 |
| Interest-bearing deposits | 37,473,000 | 38,308,000 | 37,585,000 | 36,315,000 |
| Noninterest-bearing deposits | 24,298,000 | 26,635,000 | 28,990,000 | 26,168,000 |
| Equity capital | 7,340,000 | 7,386,000 | 7,678,000 | 8,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,468,000 | 3,956,000 | 5,631,000 |
| Interest expense | 97,000 | 271,000 | 488,000 | 736,000 |
| Net interest income | 1,041,000 | 2,197,000 | 3,468,000 | 4,895,000 |
| Noninterest income | 128,000 | 154,000 | 295,000 | 476,000 |
| Noninterest expense | 860,000 | 1,718,000 | 2,634,000 | 3,560,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 633,000 | 1,129,000 | 1,811,000 |
| Income tax | 114,000 | 232,000 | 436,000 | 657,000 |
| Net income | 195,000 | 401,000 | 693,000 | 1,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,340,000 | 7,386,000 | 7,678,000 | 8,139,000 |
| Total capital | 8,094,000 | 8,189,000 | 8,449,000 | 8,928,000 |
| Risk-weighted assets | 59,206,000 | 63,182,000 | 62,817,000 | 61,040,000 |