Call reports 2010
QUINNIPIAC BANK AND TRUST COMPANY — 2010
What QUINNIPIAC BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,970,000 | 52,945,000 | 53,859,000 | 57,173,000 |
| Total loans | 28,346,000 | 36,505,000 | 39,753,000 | 46,298,000 |
| Allowance for loan losses | 370,000 | 477,000 | 498,000 | 582,000 |
| Securities available for sale | 6,586,000 | 3,926,000 | 956,000 | 1,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,257,000 | 45,360,000 | 46,397,000 | 49,925,000 |
| Interest-bearing deposits | 42,929,000 | 38,352,000 | 40,559,000 | 42,769,000 |
| Noninterest-bearing deposits | 5,328,000 | 7,008,000 | 5,838,000 | 7,156,000 |
| Equity capital | 7,572,000 | 7,398,000 | 7,280,000 | 7,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 1,021,000 | 1,642,000 | 2,316,000 |
| Interest expense | 153,000 | 294,000 | 417,000 | 551,000 |
| Net interest income | 321,000 | 727,000 | 1,225,000 | 1,765,000 |
| Noninterest income | 36,000 | 114,000 | 156,000 | 229,000 |
| Noninterest expense | 509,000 | 1,085,000 | 1,674,000 | 2,299,000 |
| Provision for loan losses | 83,000 | 190,000 | 262,000 | 394,000 |
| Pretax income | -235,000 | -434,000 | -555,000 | -699,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -235,000 | -434,000 | -555,000 | -699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,585,000 | 7,386,000 | 7,265,000 | 7,121,000 |
| Total capital | 7,922,000 | 7,804,000 | 7,734,000 | 7,656,000 |
| Risk-weighted assets | 26,896,000 | 33,374,000 | 37,463,000 | 42,749,000 |