Call reports 2013
QUINNIPIAC BANK AND TRUST COMPANY — 2013
What QUINNIPIAC BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,931,000 | 100,033,000 | 100,812,000 | 99,033,000 |
| Total loans | 78,665,000 | 78,146,000 | 77,515,000 | 82,837,000 |
| Allowance for loan losses | 974,000 | 964,000 | 956,000 | 991,000 |
| Securities available for sale | 6,074,000 | 6,307,000 | 8,402,000 | 8,866,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,332,000 | 89,191,000 | 89,891,000 | 86,884,000 |
| Interest-bearing deposits | 70,481,000 | 72,083,000 | 72,551,000 | 70,182,000 |
| Noninterest-bearing deposits | 14,851,000 | 17,108,000 | 17,340,000 | 16,702,000 |
| Equity capital | 10,096,000 | 10,226,000 | 10,389,000 | 10,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,136,000 | 2,307,000 | 3,491,000 | 4,666,000 |
| Interest expense | 139,000 | 287,000 | 427,000 | 572,000 |
| Net interest income | 997,000 | 2,020,000 | 3,064,000 | 4,094,000 |
| Noninterest income | 54,000 | 130,000 | 205,000 | 273,000 |
| Noninterest expense | 778,000 | 1,583,000 | 2,419,000 | 3,341,000 |
| Provision for loan losses | 25,000 | 25,000 | 17,000 | 61,000 |
| Pretax income | 248,000 | 542,000 | 833,000 | 965,000 |
| Income tax | 97,000 | 212,000 | 327,000 | 408,000 |
| Net income | 151,000 | 330,000 | 506,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,480,000 | 9,792,000 | 10,090,000 | 10,066,000 |
| Total capital | 10,388,000 | 10,717,000 | 11,023,000 | 11,068,000 |
| Risk-weighted assets | 72,542,000 | 73,931,000 | 74,574,000 | 80,166,000 |