Call reports 2009
QNB BANK — 2009
What QNB BANK 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 | 680,536,000 | 713,896,000 | 724,334,000 | 758,457,000 |
| Total loans | 420,264,000 | 436,132,000 | 438,068,000 | 449,955,000 |
| Allowance for loan losses | 4,220,000 | 4,584,000 | 5,573,000 | 6,217,000 |
| Securities available for sale | 220,760,000 | 234,726,000 | 246,818,000 | 253,403,000 |
| Securities held to maturity | 3,598,000 | 3,347,000 | 3,347,000 | 3,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 573,749,000 | 600,954,000 | 604,159,000 | 634,103,000 |
| Interest-bearing deposits | 518,321,000 | 543,814,000 | 554,046,000 | 580,173,000 |
| Noninterest-bearing deposits | 55,428,000 | 57,140,000 | 50,113,000 | 53,930,000 |
| Equity capital | 50,269,000 | 49,985,000 | 53,371,000 | 52,579,000 |
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 | 8,607,000 | 17,447,000 | 26,375,000 | 35,294,000 |
| Interest expense | 3,545,000 | 7,084,000 | 10,503,000 | 13,667,000 |
| Net interest income | 5,062,000 | 10,363,000 | 15,872,000 | 21,627,000 |
| Noninterest income | 1,045,000 | 2,162,000 | 3,349,000 | 4,479,000 |
| Noninterest expense | 3,906,000 | 8,244,000 | 12,149,000 | 16,470,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 2,600,000 | 4,150,000 |
| Pretax income | 1,737,000 | 3,309,000 | 3,847,000 | 5,144,000 |
| Income tax | 345,000 | 643,000 | 561,000 | 721,000 |
| Net income | 1,392,000 | 2,666,000 | 3,286,000 | 4,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,905,000 | 50,428,000 | 50,419,000 | 51,219,000 |
| Total capital | 54,125,000 | 55,012,000 | 55,992,000 | 57,436,000 |
| Risk-weighted assets | 501,144,000 | 517,367,000 | 522,534,000 | 527,650,000 |
Machine access — free, no API key
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