Call reports 2009
QUILL BANK — 2009
What QUILL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,272,000 | 126,766,000 | 131,682,000 | 122,788,000 |
| Total loans | 96,509,000 | 90,044,000 | 84,600,000 | 81,666,000 |
| Allowance for loan losses | 1,111,000 | 1,872,000 | 2,224,000 | 2,896,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,700,000 | 1,100,000 | 1,550,000 | 1,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,167,000 | 107,572,000 | 109,991,000 | 100,901,000 |
| Interest-bearing deposits | 92,190,000 | 79,116,000 | 77,631,000 | 72,017,000 |
| Noninterest-bearing deposits | 27,977,000 | 28,456,000 | 32,360,000 | 28,884,000 |
| Equity capital | 13,959,000 | 12,653,000 | 15,140,000 | 15,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,835,000 | 4,287,000 | 5,792,000 |
| Interest expense | 654,000 | 1,265,000 | 1,791,000 | 2,235,000 |
| Net interest income | 649,000 | 1,570,000 | 2,496,000 | 3,557,000 |
| Noninterest income | 221,000 | 189,000 | -330,000 | 125,000 |
| Noninterest expense | 1,079,000 | 2,195,000 | 3,319,000 | 4,611,000 |
| Provision for loan losses | 548,000 | 2,403,000 | 4,101,000 | 6,209,000 |
| Pretax income | -757,000 | -2,839,000 | -5,254,000 | -7,138,000 |
| Income tax | -282,000 | -1,059,000 | -1,960,000 | -2,663,000 |
| Net income | -475,000 | -1,780,000 | -3,294,000 | -4,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,959,000 | 12,653,000 | 15,140,000 | 14,991,000 |
| Total capital | 15,070,000 | 14,006,000 | 16,482,000 | 16,188,000 |
| Risk-weighted assets | 111,680,000 | 107,741,000 | 106,485,000 | 94,048,000 |