Call reports 2008
QUILL BANK — 2008
What QUILL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,751,000 | 129,813,000 | 138,932,000 | 133,608,000 |
| Total loans | 106,737,000 | 108,717,000 | 108,929,000 | 105,646,000 |
| Allowance for loan losses | 1,335,000 | 1,891,000 | 3,049,000 | 1,260,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,499,000 | 1,274,000 | 1,425,000 | 1,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,748,000 | 111,398,000 | 115,709,000 | 112,576,000 |
| Interest-bearing deposits | 85,929,000 | 88,052,000 | 92,113,000 | 89,108,000 |
| Noninterest-bearing deposits | 23,819,000 | 23,346,000 | 23,596,000 | 23,468,000 |
| Equity capital | 17,021,000 | 17,116,000 | 16,363,000 | 14,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,387,000 | 6,458,000 | 8,351,000 |
| Interest expense | 813,000 | 1,519,000 | 2,260,000 | 3,004,000 |
| Net interest income | 1,542,000 | 2,868,000 | 4,198,000 | 5,347,000 |
| Noninterest income | 163,000 | 235,000 | 363,000 | 551,000 |
| Noninterest expense | 1,101,000 | 2,198,000 | 3,261,000 | 4,367,000 |
| Provision for loan losses | 76,000 | 226,000 | 1,741,000 | 4,752,000 |
| Pretax income | 528,000 | 679,000 | -441,000 | -3,221,000 |
| Income tax | 197,000 | 253,000 | -164,000 | -1,191,000 |
| Net income | 331,000 | 426,000 | -277,000 | -2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,021,000 | 17,116,000 | 16,363,000 | 14,541,000 |
| Total capital | 18,356,000 | 18,586,000 | 17,856,000 | 15,801,000 |
| Risk-weighted assets | 118,246,000 | 117,148,000 | 117,890,000 | 114,591,000 |