Call reports 2004
QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY — 2004
What QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 494,555,000 | 504,906,000 | 521,182,000 | 541,101,000 |
| Total loans | 373,773,000 | 393,961,000 | 410,992,000 | 413,061,000 |
| Allowance for loan losses | 5,382,000 | 5,592,000 | 5,553,000 | 5,698,000 |
| Securities available for sale | 69,091,000 | 64,905,000 | 65,564,000 | 75,206,000 |
| Securities held to maturity | 3,893,000 | 3,477,000 | 3,224,000 | 2,962,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,923,000 | 402,284,000 | 402,668,000 | 437,669,000 |
| Interest-bearing deposits | 363,404,000 | 388,496,000 | 386,246,000 | 417,260,000 |
| Noninterest-bearing deposits | 36,519,000 | 13,788,000 | 16,422,000 | 20,409,000 |
| Equity capital | 44,324,000 | 43,878,000 | 46,759,000 | 47,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,298,000 | 14,805,000 | 22,729,000 | 30,719,000 |
| Interest expense | 2,125,000 | 4,271,000 | 6,621,000 | 9,147,000 |
| Net interest income | 5,173,000 | 10,534,000 | 16,108,000 | 21,572,000 |
| Noninterest income | 1,049,000 | 2,379,000 | 3,689,000 | 5,152,000 |
| Noninterest expense | 3,706,000 | 7,816,000 | 12,099,000 | 16,838,000 |
| Provision for loan losses | 450,000 | 950,000 | 1,450,000 | 2,000,000 |
| Pretax income | 2,257,000 | 4,451,000 | 6,552,000 | 8,198,000 |
| Income tax | 722,000 | 1,366,000 | 2,104,000 | 2,551,000 |
| Net income | 1,535,000 | 3,085,000 | 4,448,000 | 5,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,753,000 | 43,303,000 | 44,666,000 | 45,465,000 |
| Total capital | 46,372,000 | 48,143,000 | 49,740,000 | 50,502,000 |
| Risk-weighted assets | 368,783,000 | 386,470,000 | 405,405,000 | 402,303,000 |