Call reports 2025
QUAIL CREEK BANK — 2025
What QUAIL CREEK BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 781,224,000 | 788,286,000 | 798,526,000 | 821,884,000 |
| Total loans | 596,747,000 | 605,716,000 | 616,908,000 | 617,575,000 |
| Allowance for loan losses | 7,457,000 | 7,457,000 | 7,729,000 | 7,130,000 |
| Securities available for sale | 127,200,000 | 130,192,000 | 131,024,000 | 127,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 705,990,000 | 717,198,000 | 724,301,000 | 743,272,000 |
| Interest-bearing deposits | 526,927,000 | 538,319,000 | 538,645,000 | 565,082,000 |
| Noninterest-bearing deposits | 179,063,000 | 178,879,000 | 185,656,000 | 178,190,000 |
| Equity capital | 72,533,000 | 68,193,000 | 70,864,000 | 74,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,244,000 | 24,715,000 | 37,412,000 | 50,107,000 |
| Interest expense | 4,134,000 | 8,255,000 | 12,460,000 | 16,599,000 |
| Net interest income | 8,110,000 | 16,460,000 | 24,952,000 | 33,508,000 |
| Noninterest income | 397,000 | 953,000 | 1,529,000 | 2,080,000 |
| Noninterest expense | 4,944,000 | 10,185,000 | 15,237,000 | 20,547,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 600,000 |
| Pretax income | 3,563,000 | 7,228,000 | 10,944,000 | 14,441,000 |
| Income tax | 173,000 | 286,000 | 420,000 | 572,000 |
| Net income | 3,390,000 | 6,942,000 | 10,524,000 | 13,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,602,000 | 73,777,000 | 74,019,000 | 77,363,000 |
| Total capital | 83,342,000 | 80,651,000 | 81,077,000 | 84,346,000 |
| Risk-weighted assets | 538,500,000 | 549,301,000 | 563,978,000 | 558,464,000 |