Call reports 2007
QUANTUM NATIONAL BANK — 2007
What QUANTUM NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 286,776,000 | 309,338,000 | 305,759,000 | 316,264,000 |
| Total loans | 253,701,000 | 261,965,000 | 264,816,000 | 270,048,000 |
| Allowance for loan losses | 2,588,000 | 2,683,000 | 2,647,000 | 2,701,000 |
| Securities available for sale | 17,230,000 | 17,870,000 | 17,671,000 | 22,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,124,000 | 264,644,000 | 265,005,000 | 265,609,000 |
| Interest-bearing deposits | 232,638,000 | 249,222,000 | 250,703,000 | 252,516,000 |
| Noninterest-bearing deposits | 16,487,000 | 15,422,000 | 14,302,000 | 13,093,000 |
| Equity capital | 25,536,000 | 26,423,000 | 27,612,000 | 28,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,386,000 | 13,129,000 | 19,838,000 | 25,904,000 |
| Interest expense | 2,826,000 | 5,911,000 | 9,106,000 | 12,190,000 |
| Net interest income | 3,560,000 | 7,218,000 | 10,732,000 | 13,714,000 |
| Noninterest income | 809,000 | 1,168,000 | 1,474,000 | 1,669,000 |
| Noninterest expense | 2,350,000 | 4,581,000 | 6,783,000 | 8,995,000 |
| Provision for loan losses | 208,000 | 303,000 | 375,000 | 710,000 |
| Pretax income | 1,811,000 | 3,509,000 | 5,055,000 | 5,685,000 |
| Income tax | 669,000 | 1,288,000 | 1,796,000 | 1,988,000 |
| Net income | 1,142,000 | 2,221,000 | 3,259,000 | 3,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,298,000 | 26,369,000 | 27,410,000 | 27,849,000 |
| Total capital | 27,886,000 | 29,052,000 | 30,057,000 | 30,550,000 |
| Risk-weighted assets | 264,040,000 | 278,534,000 | 278,457,000 | 291,206,000 |