Call reports 2003
QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY — 2003
What QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 428,113,000 | 443,243,000 | 451,492,000 | 472,266,000 |
| Total loans | 319,391,000 | 338,042,000 | 348,513,000 | 366,213,000 |
| Allowance for loan losses | 4,389,000 | 4,713,000 | 4,852,000 | 5,155,000 |
| Securities available for sale | 54,927,000 | 56,805,000 | 59,254,000 | 59,752,000 |
| Securities held to maturity | 6,965,000 | 6,029,000 | 4,703,000 | 4,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,551,000 | 363,695,000 | 366,736,000 | 380,710,000 |
| Interest-bearing deposits | 296,505,000 | 308,492,000 | 316,242,000 | 322,013,000 |
| Noninterest-bearing deposits | 53,046,000 | 55,203,000 | 50,494,000 | 58,697,000 |
| Equity capital | 35,763,000 | 36,651,000 | 37,112,000 | 38,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,698,000 | 13,654,000 | 20,654,000 | 27,803,000 |
| Interest expense | 2,378,000 | 4,783,000 | 7,124,000 | 9,338,000 |
| Net interest income | 4,320,000 | 8,871,000 | 13,530,000 | 18,465,000 |
| Noninterest income | 1,112,000 | 2,243,000 | 3,591,000 | 5,000,000 |
| Noninterest expense | 3,169,000 | 6,596,000 | 10,236,000 | 14,345,000 |
| Provision for loan losses | 430,000 | 930,000 | 1,330,000 | 2,030,000 |
| Pretax income | 2,011,000 | 3,760,000 | 5,756,000 | 7,294,000 |
| Income tax | 683,000 | 1,210,000 | 1,913,000 | 2,378,000 |
| Net income | 1,328,000 | 2,550,000 | 3,843,000 | 4,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,230,000 | 33,852,000 | 35,145,000 | 36,218,000 |
| Total capital | 37,249,000 | 37,967,000 | 39,376,000 | 40,654,000 |
| Risk-weighted assets | 321,128,000 | 328,588,000 | 337,873,000 | 354,132,000 |