Call reports 2003
QUANTUM NATIONAL BANK — 2003
What QUANTUM NATIONAL 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 | 145,320,000 | 151,997,000 | 164,550,000 | 172,486,000 |
| Total loans | 109,759,000 | 116,638,000 | 135,817,000 | 137,514,000 |
| Allowance for loan losses | 1,026,000 | 1,066,000 | 1,200,000 | 1,264,000 |
| Securities available for sale | 20,416,000 | 16,659,000 | 15,472,000 | 15,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,101,000 | 131,177,000 | 140,184,000 | 146,752,000 |
| Interest-bearing deposits | 120,531,000 | 126,836,000 | 134,710,000 | 142,998,000 |
| Noninterest-bearing deposits | 4,570,000 | 4,341,000 | 5,473,000 | 3,754,000 |
| Equity capital | 11,396,000 | 11,959,000 | 13,045,000 | 14,035,000 |
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 | 2,087,000 | 4,222,000 | 6,616,000 | 8,987,000 |
| Interest expense | 756,000 | 1,511,000 | 2,220,000 | 2,983,000 |
| Net interest income | 1,331,000 | 2,711,000 | 4,396,000 | 6,004,000 |
| Noninterest income | 65,000 | 274,000 | 400,000 | 590,000 |
| Noninterest expense | 994,000 | 2,093,000 | 3,236,000 | 4,381,000 |
| Provision for loan losses | 95,000 | 146,000 | 303,000 | 368,000 |
| Pretax income | 375,000 | 814,000 | 1,325,000 | 1,913,000 |
| Income tax | 109,000 | 240,000 | 392,000 | 565,000 |
| Net income | 266,000 | 574,000 | 933,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,180,000 | 11,738,000 | 12,847,000 | 13,916,000 |
| Total capital | 12,206,000 | 12,804,000 | 14,047,000 | 15,180,000 |
| Risk-weighted assets | 118,380,000 | 125,424,000 | 139,725,000 | 144,276,000 |