Call reports 2003
QUAIL CREEK BANK — 2003
What QUAIL CREEK BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 265,698,000 | 260,232,000 | 256,820,000 | 267,518,000 |
| Total loans | 198,049,000 | 196,664,000 | 199,441,000 | 226,173,000 |
| Allowance for loan losses | 2,337,000 | 2,395,000 | 2,262,000 | 2,166,000 |
| Securities available for sale | 34,125,000 | 31,160,000 | 31,516,000 | 32,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,471,000 | 216,103,000 | 214,400,000 | 211,215,000 |
| Interest-bearing deposits | 209,331,000 | 186,004,000 | 184,961,000 | 178,573,000 |
| Noninterest-bearing deposits | 13,140,000 | 30,099,000 | 29,439,000 | 32,642,000 |
| Equity capital | 25,789,000 | 25,536,000 | 25,314,000 | 25,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,571,000 | 7,063,000 | 10,603,000 | 14,219,000 |
| Interest expense | 980,000 | 1,908,000 | 2,735,000 | 3,531,000 |
| Net interest income | 2,591,000 | 5,155,000 | 7,868,000 | 10,688,000 |
| Noninterest income | 483,000 | 1,001,000 | 1,373,000 | 1,747,000 |
| Noninterest expense | 1,388,000 | 2,746,000 | 4,223,000 | 5,768,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 1,611,000 | 3,260,000 | 4,793,000 | 6,442,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,611,000 | 3,260,000 | 4,793,000 | 6,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,547,000 | 24,253,000 | 24,486,000 | 24,693,000 |
| Total capital | 26,884,000 | 26,648,000 | 26,748,000 | 26,859,000 |
| Risk-weighted assets | 201,047,000 | 201,081,000 | 200,950,000 | 223,639,000 |