Call reports 2016
QUILL BANK — 2016
What QUILL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 226,156,000 | 236,245,000 | 263,467,000 | 285,380,000 |
| Total loans | 190,373,000 | 200,557,000 | 224,956,000 | 244,442,000 |
| Allowance for loan losses | 1,801,000 | 1,893,000 | 2,116,000 | 2,115,000 |
| Securities available for sale | 1,420,000 | 1,400,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,082,000 | 205,802,000 | 220,938,000 | 236,522,000 |
| Interest-bearing deposits | 148,350,000 | 155,558,000 | 167,023,000 | 186,517,000 |
| Noninterest-bearing deposits | 49,732,000 | 50,244,000 | 53,915,000 | 50,005,000 |
| Equity capital | 22,739,000 | 23,731,000 | 24,690,000 | 25,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,063,000 | 6,200,000 | 9,993,000 | 14,275,000 |
| Interest expense | 349,000 | 715,000 | 1,122,000 | 1,576,000 |
| Net interest income | 2,714,000 | 5,485,000 | 8,871,000 | 12,699,000 |
| Noninterest income | 260,000 | 473,000 | 682,000 | 878,000 |
| Noninterest expense | 1,784,000 | 3,604,000 | 5,566,000 | 7,629,000 |
| Provision for loan losses | 120,000 | 200,000 | 410,000 | 865,000 |
| Pretax income | 1,070,000 | 2,154,000 | 3,571,000 | 5,077,000 |
| Income tax | 391,000 | 787,000 | 1,244,000 | 1,798,000 |
| Net income | 679,000 | 1,367,000 | 2,327,000 | 3,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,742,000 | 23,730,000 | 24,690,000 | 25,642,000 |
| Total capital | 24,588,000 | 25,668,000 | 26,851,000 | 27,802,000 |
| Risk-weighted assets | 197,514,000 | 204,838,000 | 231,336,000 | 251,103,000 |