Call reports 2008
QUINNIPIAC BANK AND TRUST COMPANY — 2008
What QUINNIPIAC BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 13,026,000 | 20,038,000 | 25,344,000 | 28,773,000 |
| Total loans | 0 | 867,000 | 2,544,000 | 4,812,000 |
| Allowance for loan losses | 0 | 8,000 | 29,000 | 55,000 |
| Securities available for sale | 0 | 0 | 10,452,000 | 10,822,000 |
| Securities held to maturity | 0 | 6,001,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,775,000 | 9,956,000 | 15,746,000 | 19,572,000 |
| Interest-bearing deposits | 2,658,000 | 9,644,000 | 14,879,000 | 17,809,000 |
| Noninterest-bearing deposits | 117,000 | 312,000 | 867,000 | 1,763,000 |
| Equity capital | 10,130,000 | 9,799,000 | 9,502,000 | 9,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 19,000 | 111,000 | 244,000 | 417,000 |
| Interest expense | 4,000 | 52,000 | 122,000 | 247,000 |
| Net interest income | 15,000 | 59,000 | 122,000 | 170,000 |
| Noninterest income | 0 | 7,000 | 15,000 | 20,000 |
| Noninterest expense | 1,326,000 | 1,700,000 | 2,047,000 | 2,496,000 |
| Provision for loan losses | 0 | 8,000 | 29,000 | 55,000 |
| Pretax income | -1,311,000 | -1,642,000 | -1,939,000 | -2,361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,311,000 | -1,642,000 | -1,939,000 | -2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,130,000 | 9,799,000 | 9,502,000 | 8,965,000 |
| Total capital | 10,130,000 | 9,807,000 | 9,531,000 | 9,020,000 |
| Risk-weighted assets | 2,790,000 | 4,950,000 | 7,164,000 | 9,367,000 |
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