Call reports 2015
QNB BANK — 2015
What QNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 985,279,000 | 947,946,000 | 1,032,125,000 | 1,013,592,000 |
| Total loans | 571,592,000 | 578,722,000 | 582,575,000 | 616,257,000 |
| Allowance for loan losses | 7,978,000 | 7,655,000 | 7,669,000 | 7,554,000 |
| Securities available for sale | 343,113,000 | 322,612,000 | 355,476,000 | 354,681,000 |
| Securities held to maturity | 146,000 | 146,000 | 147,000 | 147,000 |
| Trading assets | 4,183,000 | 3,871,000 | 3,625,000 | 4,189,000 |
| Total deposits | 864,465,000 | 826,081,000 | 908,674,000 | 889,786,000 |
| Interest-bearing deposits | 763,972,000 | 729,021,000 | 810,582,000 | 791,243,000 |
| Noninterest-bearing deposits | 100,493,000 | 97,060,000 | 98,092,000 | 98,543,000 |
| Equity capital | 81,846,000 | 81,242,000 | 83,804,000 | 83,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,768,000 | 15,472,000 | 23,562,000 | 31,696,000 |
| Interest expense | 1,120,000 | 2,224,000 | 3,347,000 | 4,506,000 |
| Net interest income | 6,648,000 | 13,248,000 | 20,215,000 | 27,190,000 |
| Noninterest income | 1,239,000 | 2,648,000 | 4,082,000 | 5,388,000 |
| Noninterest expense | 5,490,000 | 11,097,000 | 16,638,000 | 22,240,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 200,000 |
| Pretax income | 2,474,000 | 4,849,000 | 7,709,000 | 10,285,000 |
| Income tax | 580,000 | 1,116,000 | 1,811,000 | 2,407,000 |
| Net income | 1,894,000 | 3,733,000 | 5,898,000 | 7,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,982,000 | 81,079,000 | 82,243,000 | 83,478,000 |
| Total capital | 88,019,000 | 88,793,000 | 89,971,000 | 91,091,000 |
| Risk-weighted assets | 701,806,000 | 713,476,000 | 725,710,000 | 760,929,000 |