Call reports 2005
QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY — 2005
What QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 531,063,000 | 561,307,000 | 574,276,000 | 581,453,000 |
| Total loans | 418,169,000 | 441,759,000 | 444,517,000 | 449,186,000 |
| Allowance for loan losses | 5,090,000 | 5,219,000 | 5,339,000 | 5,487,000 |
| Securities available for sale | 71,403,000 | 67,260,000 | 74,393,000 | 68,880,000 |
| Securities held to maturity | 2,842,000 | 2,614,000 | 2,407,000 | 2,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,216,000 | 439,611,000 | 451,138,000 | 462,680,000 |
| Interest-bearing deposits | 421,354,000 | 422,688,000 | 435,720,000 | 446,043,000 |
| Noninterest-bearing deposits | 14,862,000 | 16,923,000 | 15,418,000 | 16,637,000 |
| Equity capital | 48,505,000 | 49,794,000 | 51,387,000 | 51,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,190,000 | 16,946,000 | 26,376,000 | 36,148,000 |
| Interest expense | 2,671,000 | 5,652,000 | 9,106,000 | 12,797,000 |
| Net interest income | 5,519,000 | 11,294,000 | 17,270,000 | 23,351,000 |
| Noninterest income | 1,446,000 | 2,972,000 | 4,649,000 | 6,372,000 |
| Noninterest expense | 4,200,000 | 8,571,000 | 13,151,000 | 17,876,000 |
| Provision for loan losses | 500,000 | 1,200,000 | 1,850,000 | 2,700,000 |
| Pretax income | 2,265,000 | 4,499,000 | 6,936,000 | 9,157,000 |
| Income tax | 724,000 | 1,414,000 | 2,224,000 | 2,974,000 |
| Net income | 1,541,000 | 3,085,000 | 4,712,000 | 6,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,006,000 | 48,050,000 | 49,677,000 | 50,048,000 |
| Total capital | 52,096,000 | 53,269,000 | 54,925,000 | 55,535,000 |
| Risk-weighted assets | 439,499,000 | 421,785,000 | 429,132,000 | 440,623,000 |