Call reports 2009
QUINNIPIAC BANK AND TRUST COMPANY — 2009
What QUINNIPIAC BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,826,000 | 36,275,000 | 39,250,000 | 42,077,000 |
| Total loans | 7,776,000 | 12,089,000 | 16,292,000 | 22,076,000 |
| Allowance for loan losses | 92,000 | 157,000 | 212,000 | 287,000 |
| Securities available for sale | 13,407,000 | 16,638,000 | 16,956,000 | 10,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,989,000 | 27,879,000 | 31,046,000 | 34,171,000 |
| Interest-bearing deposits | 23,275,000 | 24,732,000 | 26,294,000 | 30,582,000 |
| Noninterest-bearing deposits | 2,714,000 | 3,147,000 | 4,752,000 | 3,589,000 |
| Equity capital | 8,670,000 | 8,233,000 | 8,035,000 | 7,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 179,000 | 447,000 | 796,000 | 1,212,000 |
| Interest expense | 129,000 | 264,000 | 390,000 | 512,000 |
| Net interest income | 50,000 | 183,000 | 406,000 | 700,000 |
| Noninterest income | 37,000 | 65,000 | 87,000 | 129,000 |
| Noninterest expense | 352,000 | 804,000 | 1,271,000 | 1,743,000 |
| Provision for loan losses | 36,000 | 101,000 | 156,000 | 231,000 |
| Pretax income | -301,000 | -657,000 | -934,000 | -1,145,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -301,000 | -657,000 | -934,000 | -1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,665,000 | 8,308,000 | 8,031,000 | 7,820,000 |
| Total capital | 8,757,000 | 8,465,000 | 8,243,000 | 8,107,000 |
| Risk-weighted assets | 12,554,000 | 14,872,000 | 21,888,000 | 23,009,000 |
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