Call reports 2007
QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY — 2007
What QUEENSBOROUGH NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 666,502,000 | 709,425,000 | 741,186,000 | 776,519,000 |
| Total loans | 525,402,000 | 556,520,000 | 584,786,000 | 614,454,000 |
| Allowance for loan losses | 6,091,000 | 6,200,000 | 6,691,000 | 7,179,000 |
| Securities available for sale | 88,295,000 | 86,220,000 | 89,169,000 | 101,305,000 |
| Securities held to maturity | 1,776,000 | 1,691,000 | 1,638,000 | 1,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,786,000 | 599,311,000 | 618,085,000 | 643,360,000 |
| Interest-bearing deposits | 537,458,000 | 575,239,000 | 599,624,000 | 625,383,000 |
| Noninterest-bearing deposits | 17,328,000 | 24,072,000 | 18,461,000 | 17,977,000 |
| Equity capital | 58,367,000 | 57,777,000 | 60,752,000 | 62,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,313,000 | 25,315,000 | 39,142,000 | 53,442,000 |
| Interest expense | 5,600,000 | 11,619,000 | 18,093,000 | 24,853,000 |
| Net interest income | 6,713,000 | 13,696,000 | 21,049,000 | 28,589,000 |
| Noninterest income | 1,504,000 | 3,247,000 | 4,702,000 | 6,266,000 |
| Noninterest expense | 5,217,000 | 10,566,000 | 16,109,000 | 21,734,000 |
| Provision for loan losses | 600,000 | 1,100,000 | 1,950,000 | 2,850,000 |
| Pretax income | 2,400,000 | 5,277,000 | 7,692,000 | 10,271,000 |
| Income tax | 751,000 | 1,690,000 | 2,495,000 | 3,439,000 |
| Net income | 1,649,000 | 3,587,000 | 5,197,000 | 6,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,694,000 | 57,881,000 | 59,491,000 | 60,426,000 |
| Total capital | 62,785,000 | 64,081,000 | 66,182,000 | 67,605,000 |
| Risk-weighted assets | 530,697,000 | 560,756,000 | 589,768,000 | 630,323,000 |