Call reports 2016
QNB BANK — 2016
What QNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 996,067,000 | 1,022,377,000 | 1,063,604,000 | 1,054,636,000 |
| Total loans | 601,776,000 | 604,662,000 | 608,687,000 | 633,868,000 |
| Allowance for loan losses | 7,556,000 | 7,550,000 | 7,593,000 | 7,394,000 |
| Securities available for sale | 337,882,000 | 336,480,000 | 360,769,000 | 381,972,000 |
| Securities held to maturity | 147,000 | 147,000 | 147,000 | 0 |
| Trading assets | 4,006,000 | 3,459,000 | 4,312,000 | 3,596,000 |
| Total deposits | 865,360,000 | 893,285,000 | 926,712,000 | 913,355,000 |
| Interest-bearing deposits | 759,700,000 | 775,635,000 | 821,683,000 | 794,345,000 |
| Noninterest-bearing deposits | 105,660,000 | 117,650,000 | 105,029,000 | 119,010,000 |
| Equity capital | 87,159,000 | 89,378,000 | 89,800,000 | 85,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,229,000 | 16,369,000 | 24,621,000 | 33,066,000 |
| Interest expense | 1,159,000 | 2,324,000 | 3,526,000 | 4,733,000 |
| Net interest income | 7,070,000 | 14,045,000 | 21,095,000 | 28,333,000 |
| Noninterest income | 1,312,000 | 2,696,000 | 4,049,000 | 5,133,000 |
| Noninterest expense | 5,488,000 | 11,026,000 | 16,611,000 | 22,008,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 30,000 |
| Pretax income | 2,776,000 | 5,699,000 | 8,516,000 | 11,536,000 |
| Income tax | 659,000 | 1,415,000 | 2,118,000 | 2,895,000 |
| Net income | 2,117,000 | 4,284,000 | 6,398,000 | 8,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,976,000 | 86,339,000 | 87,511,000 | 89,025,000 |
| Total capital | 92,591,000 | 93,948,000 | 95,163,000 | 96,478,000 |
| Risk-weighted assets | 744,260,000 | 751,651,000 | 765,825,000 | 797,395,000 |