Call reports 2005
QUANTUM NATIONAL BANK — 2005
What QUANTUM NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 192,296,000 | 202,696,000 | 206,035,000 | 220,392,000 |
| Total loans | 167,832,000 | 170,303,000 | 175,709,000 | 189,201,000 |
| Allowance for loan losses | 1,554,000 | 1,586,000 | 1,694,000 | 1,801,000 |
| Securities available for sale | 11,260,000 | 11,682,000 | 11,238,000 | 11,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,467,000 | 180,992,000 | 183,696,000 | 192,857,000 |
| Interest-bearing deposits | 150,210,000 | 165,546,000 | 167,465,000 | 176,562,000 |
| Noninterest-bearing deposits | 14,257,000 | 15,446,000 | 16,232,000 | 16,295,000 |
| Equity capital | 16,761,000 | 17,439,000 | 18,088,000 | 18,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,185,000 | 6,846,000 | 10,765,000 | 15,160,000 |
| Interest expense | 966,000 | 2,209,000 | 3,617,000 | 5,156,000 |
| Net interest income | 2,219,000 | 4,637,000 | 7,148,000 | 10,004,000 |
| Noninterest income | 219,000 | 333,000 | 442,000 | 606,000 |
| Noninterest expense | 1,457,000 | 2,964,000 | 4,504,000 | 6,200,000 |
| Provision for loan losses | 86,000 | 161,000 | 231,000 | 790,000 |
| Pretax income | 895,000 | 1,845,000 | 2,855,000 | 3,620,000 |
| Income tax | 290,000 | 598,000 | 926,000 | 1,216,000 |
| Net income | 605,000 | 1,247,000 | 1,929,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,816,000 | 17,457,000 | 18,140,000 | 19,015,000 |
| Total capital | 18,370,000 | 19,043,000 | 19,834,000 | 20,816,000 |
| Risk-weighted assets | 179,037,000 | 182,937,000 | 189,965,000 | 204,733,000 |