Call reports 2012
QUINNIPIAC BANK AND TRUST COMPANY — 2012
What QUINNIPIAC BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 84,557,000 | 89,002,000 | 90,778,000 | 89,868,000 |
| Total loans | 65,136,000 | 68,196,000 | 71,309,000 | 75,767,000 |
| Allowance for loan losses | 842,000 | 860,000 | 892,000 | 949,000 |
| Securities available for sale | 5,739,000 | 7,395,000 | 6,597,000 | 6,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,323,000 | 79,561,000 | 81,084,000 | 79,884,000 |
| Interest-bearing deposits | 65,621,000 | 67,818,000 | 67,503,000 | 65,597,000 |
| Noninterest-bearing deposits | 9,702,000 | 11,743,000 | 13,581,000 | 14,287,000 |
| Equity capital | 9,023,000 | 9,178,000 | 9,356,000 | 9,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,040,000 | 3,114,000 | 4,234,000 |
| Interest expense | 132,000 | 284,000 | 435,000 | 579,000 |
| Net interest income | 866,000 | 1,756,000 | 2,679,000 | 3,655,000 |
| Noninterest income | 44,000 | 98,000 | 152,000 | 238,000 |
| Noninterest expense | 695,000 | 1,393,000 | 2,059,000 | 2,777,000 |
| Provision for loan losses | 70,000 | 110,000 | 143,000 | 200,000 |
| Pretax income | 145,000 | 351,000 | 629,000 | 916,000 |
| Income tax | 57,000 | 137,000 | 247,000 | 359,000 |
| Net income | 88,000 | 214,000 | 382,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,909,000 | 8,109,000 | 8,379,000 | 8,793,000 |
| Total capital | 8,708,000 | 8,919,000 | 9,211,000 | 9,678,000 |
| Risk-weighted assets | 63,876,000 | 64,746,000 | 66,450,000 | 70,689,000 |