Call reports 2023
QNB BANK — 2023
What QNB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,613,669,000 | 1,637,609,000 | 1,671,246,000 | 1,694,357,000 |
| Total loans | 1,012,364,000 | 1,030,574,000 | 1,060,906,000 | 1,094,082,000 |
| Allowance for loan losses | 8,191,000 | 8,365,000 | 8,542,000 | 8,852,000 |
| Securities available for sale | 537,904,000 | 519,083,000 | 487,909,000 | 485,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,424,590,000 | 1,449,765,000 | 1,483,333,000 | 1,488,713,000 |
| Interest-bearing deposits | 1,212,331,000 | 1,237,369,000 | 1,291,107,000 | 1,303,615,000 |
| Noninterest-bearing deposits | 212,259,000 | 212,396,000 | 192,226,000 | 185,098,000 |
| Equity capital | 71,069,000 | 67,973,000 | 60,936,000 | 77,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,372,000 | 31,110,000 | 49,462,000 | 68,565,000 |
| Interest expense | 5,046,000 | 11,578,000 | 19,862,000 | 28,927,000 |
| Net interest income | 10,326,000 | 19,532,000 | 29,600,000 | 39,638,000 |
| Noninterest income | 1,694,000 | 3,395,000 | 5,225,000 | 6,934,000 |
| Noninterest expense | 8,134,000 | 16,469,000 | 25,072,000 | 33,718,000 |
| Provision for loan losses | -1,783,000 | -1,571,000 | -1,119,000 | -828,000 |
| Pretax income | 5,434,000 | 7,797,000 | 10,633,000 | 11,640,000 |
| Income tax | 1,147,000 | 1,563,000 | 2,065,000 | 2,245,000 |
| Net income | 4,287,000 | 6,234,000 | 8,568,000 | 9,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,175,000 | 143,936,000 | 145,471,000 | 145,104,000 |
| Total capital | 151,466,000 | 152,397,000 | 154,116,000 | 154,062,000 |
| Risk-weighted assets | 1,177,739,000 | 1,204,455,000 | 1,241,912,000 | 1,262,898,000 |