0001564590-23-000729.txt : 20230124 0001564590-23-000729.hdr.sgml : 20230124 20230124161817 ACCESSION NUMBER: 0001564590-23-000729 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230124 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230124 DATE AS OF CHANGE: 20230124 FILER: COMPANY DATA: COMPANY CONFORMED NAME: QNB CORP CENTRAL INDEX KEY: 0000750558 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232318082 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-17706 FILM NUMBER: 23548343 BUSINESS ADDRESS: STREET 1: 15 NORTH THIRD STREET CITY: QUAKERTOWN STATE: PA ZIP: 18951-9005 BUSINESS PHONE: 2155385600 MAIL ADDRESS: STREET 1: P.O. BOX 9005 CITY: QUAKERTOWN STATE: PA ZIP: 18951 8-K 1 qnbc-8k_20230124.htm 8-K qnbc-8k_20230124.htm
false 0000750558 NONE 0000750558 2023-01-24 2023-01-24

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

 

Form 8-K

 

CURRENT REPORT

PURSUANT TO SECTIONS 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

Date of report (Date of earliest event reported):

January 24, 2023

 

QNB Corp.

(Exact name of registrant as specified in its charter)

 

Pennsylvania

0-17706

23-2318082

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(I.R.S. Employer Identification No.)

 

15 North Third Street, P.O. Box 9005, Quakertown, PA 18951-9005

(Address of principal executive offices, including zip code)

 

(215) 538-5600

(Registrant's telephone number, including area code)

 

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

 

Securities registered pursuant to Section 12(b) of the Act:  None.

Title of each class

 

Trading

Symbol(s)

 

Name of each exchange on which registered

Common Stock

 

QNBC

 

N/A

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐

 

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

 

 

☐

 

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

 

 

☐

 

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

 

 

☐

 

Pre-commencement communication pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐


 

 

 

 

Item 2.02

Results of Operations and Financial Condition

 

On January 24, 2023, QNB Corp. announced its consolidated financial results for the fourth quarter ended December 31, 2022.  A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

 

The information included in this Item, as well as Exhibit 99.1, referenced herein, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 unless specifically incorporated in such filing.

 

Item 9.01

Financial Statements and Exhibits

 

The following exhibits are filed herewith:

 

Exhibit No.

Description

D

 

 

 

 

 

99.1

News release disseminated on January 24, 2023 by QNB Corp.

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

QNB Corp.

 

 

 

 

 

 

 

By:

/s/ Jeffry Lehocky

 

 

Jeffrey Lehocky

 

 

Chief Financial Officer

 

 

 

 

Dated: January 24, 2023

 

 

 

 EX-99.1 2 qnbc-ex991_6.htm EX-99.1 qnbc-ex991_6.htm

Ex 99.1

PO Box 9005

Quakertown, PA 18951-9005

215.538.5600

800.491.9070

QNBBank.com

 

 

FOR IMMEDIATE RELEASE

 

 

QNB CORP. REPORTS

EARNINGS FOR FOURTH QUARTER 2022

 

 

QUAKERTOWN, PA (January 24, 2023) QNB Corp. (the “Company” or “QNB”) (OTC Bulletin Board: QNBC), the parent company of QNB Bank (the “Bank”), reported net income for the fourth quarter of 2022 of $5,447,000, or $1.52 per share on a diluted basis. This compares to net income of $4,149,000, or $1.17 per share on a diluted basis, for the same period in 2021.  For the twelve months ended December 31, 2022, QNB reported net income of $15,921,000, or $4.47 per share on a diluted basis. This compares to net income of $16,492,000 or $4.64 per share on a diluted basis, reported for the same period in 2021.

 

For the quarter ended December 31, 2022, the annualized rate of return on average assets and average shareholders’ equity was 1.24% and 14.38%, respectively, compared with 0.98% and 11.82%, respectively, for the fourth quarter 2021.  

 

The operating performance of the Bank, a wholly-owned subsidiary of QNB Corp., improved for the quarter ended December 31, 2022, in comparison with the same period in 2021 due to growth in net interest income and the reversal of $850,000 in provision loan losses.  The change in contribution from QNB Corp. for the quarter ended December 31, 2022, compared with the same period in 2021, is primarily due to the change in fair value of the equities portfolio held at the holding company.

The following table presents disaggregated net income:  

 

Three months ended,

 

 

 

 

 

 

Twelve months ended,

 

 

 

 

 

 

12/31/2022

 

 

12/31/2021

 

 

Variance

 

 

12/31/2022

 

 

12/31/2021

 

 

Variance

 

QNB Bank

$

4,408,000

 

 

$

3,537,000

 

 

$

871,000

 

 

$

16,445,000

 

 

$

14,607,000

 

 

$

1,838,000

 

QNB Corp

 

1,039,000

 

 

 

612,000

 

 

 

427,000

 

 

 

(524,000

)

 

 

1,885,000

 

 

 

(2,409,000

)

Consolidated net income

$

5,447,000

 

 

$

4,149,000

 

 

$

1,298,000

 

 

$

15,921,000

 

 

$

16,492,000

 

 

$

(571,000

)

 

Total assets as of December 31, 2022 were $1,668,497,000 compared with $1,673,340,000 at December 31, 2021. Total available-for-sale debt securities decreased $145,835,000, or 21.1%, to  $546,525,000, due primarily to the reduction in fair value of the portfolio, in response to the rise in interest rates during the period. The Bank participated in both rounds of the Small Business Administration’s Paycheck Protection Program (“PPP”).  Loans receivable, excluding PPP, grew $124,470,000 to approximately $1,037,095,000 since December 31, 2021.   Total deposits decreased $31,376,000 to $1,418,369,000.  Short-term borrowing grew $92,851,000 to support loan growth.

“2022 ended well with continued solid performance results and growth at the Bank. Our earnings were the direct result of our core banking operations and were not supported by gains on the sale of investments, as in 2021,” stated David W. Freeman, President, and Chief Executive Officer, continuing, “the quarter also showed improvement in net interest income and improved margins. Plus, loan outstandings, fueled by commercial growth, exceeded one billion for the first time in the bank’s history.”

Net Interest Income and Net Interest Margin

Net interest income for the quarter and twelve months ended December 31, 2022 totaled $11,279,000 and $44,497,000, respectively, an increase of $471,000 and $2,370,000, respectively, from the same periods in 2021. Net interest margin was 2.68% for the fourth quarter of 2022 and for the same period in 2021.  Net interest margin was 2.71% for the twelve months ended December 31, 2022 compared with 2.79% for the same period in 2021.

 

The yield on earning assets was 3.49% for the fourth quarter 2022 compared with 2.95% in the fourth quarter of 2021. For the twelve-month period ended December 31, 2022, the yield on earning assets was 3.18%, compared with 3.09% for the same period in 2021.  The cost of interest-bearing liabilities was 1.03% for the quarter and 0.60% for the twelve months ended December 31, 2022 compared with 0.35% and 0.39% for the same periods in 2021.  

 

Proceeds from average deposit growth, PPP loan forgiveness and short-term borrowings over the past year were invested in loans.  Loan growth was primarily in commercial real estate, which comprised 38% of average earning assets in the twelve months of 2022 compared with 36% for the same period in 2021 and was the major contributor to the 11 basis-point increase in the yield on loans.  Growth in the available-for-sale portfolio was primarily in mortgage-backed securities, which comprised 27% of average earnings assets in the twelve months of 2022 compared with 23% for the same period in 2021.  This increase in marketable securities as a percent of earnings assets also contributed to the increase in net interest margin.

 

Asset Quality, Provision for Loan Loss and Allowance for Loan Loss

QNB reversed $850,000 in provision for loan losses in the fourth quarter of 2022 compared to no provision in the fourth of quarter 2021. QNB received over $1,000,000 in payments on a non-performing loan during the fourth quarter of 2022.  QNB's allowance for loan losses of $10,531,000 represents 1.01% of loans receivable at December 31, 2022, compared to $11,184,000, or 1.21% of loans receivable at December 31, 2021, and $10,826,000, or 1.18% of loans receivable at December 31, 2020.  Excluding the PPP loans, which are expected to be fully forgiven within the next several months and are 100% guaranteed by the SBA, the allowance represents 1.02% of loans receivable.  Net loan recoveries were $43,000 and $197,000 for the quarter and twelve months ended December 31, 2022, respectively, compared with charge-offs of $30,000 and $100,000 for the same periods in 2021, respectively.  Annualized net loan recoveries for the quarter and twelve months ended December 31, 2022 were both 0.02% of average loans receivable.

 

Total non-performing loans, which represent loans on non-accrual status, loans past due 90 days or more and still accruing interest and restructured loans, were $9,121,000, or 0.88% of loans receivable at December 31, 2022, compared with $11,672,000, or 1.26% of loans receivable at December 31, 2021, and $14,109,000, or 1.53% of loans receivable at December 31, 2020.  In cases where there is a

collateral shortfall on impaired loans, specific impairment reserves have been established based on updated collateral values even if the borrower continues to pay in accordance with the terms of the agreement.  At December 31, 2022, $3,435,000, or approximately 71% of the loans classified as non-accrual, are current or past due less than 30 days.  Commercial loans classified as substandard or doubtful loans totaled $13,684,000 at December 31, 2022, compared with $18,531,000 reported at December 31, 2021, and $22,193,000 at December 31, 2020.  

Non-Interest Income

Total non-interest income was $2,997,000 for the fourth quarter of 2022 compared with $2,528,000 for the same period in 2021. There was a net realized loss of $227,000 on the sale of investments for the quarter ended December 31, 2022 compared with a gain of $766,000 for the same period in 2021.  Unrealized gain on the investment equity securities was $1,602,000 for the quarter ended December 31, 2022 compared to a gain of $87,000 for the same period in 2021.  The equities portfolio comprises blue-chip large-capitalized stocks, providing a taxable equivalent dividend yield of 3.32%.    

 

Fees for services to customers increased $36,000 to $404,000 for the fourth quarter 2022 compared with the same period in 2021, due primarily to increased overdraft occurrences.  ATM and debit card income increased $11,000 to $704,000 for the same period, due to card usage when comparing the two periods.  Retail brokerage and advisory income decreased $24,000 to $184,000 attributable to decreased advisory income.  

 

Net gain on sales of loans decreased $58,000 when comparing the fourth quarter of 2022 with the same period in 2021, as there was a decrease in mortgage originations when comparing the periods.    Other non-interest income decreased $18,000 when comparing the two periods due primarily to reduced merchant fee income of $14,000.  

 

For the twelve months ended December 31, 2022, non-interest income was $5,731,000, a decrease of $4,050,000 compared to the same period in 2021, primarily due to a negative change in fair value of the equity portfolio of $1,952,000.  Realized gains on sales of securities was $266,000, a decline of $993,000 for the twelve months ended December 31, 2022 compared with the same period in 2021.  Net gain on sale of loans decreased $589,000 when comparing the twelve months ended December 31, 2022 with the same period in 2021, as there was a decrease in mortgage originations.  Increases in non-interest income for the twelve months ended December 31, 2022 compared to the same period in 2021 comprise:  fees for services to customers, ATM and debit card fees, and retail brokerage and advisory income, which increased $288,000, $37,000, and $2,000, respectively.  Other non-interest income decreased $296,000 due primarily to a life insurance benefit of $193,000 realized during the first quarter of 2021 compared to $46,000 realized in the third quarter of 2022, and a $57,000 decrease in merchant income.     

 

Non-Interest Expense

Total non-interest expense was $8,119,000 for the fourth quarter of 2022 compared with $8,135,000  for the same period in 2021.  Salaries and benefits expense decreased $76,000, or 1.7%, to $4,464,000 when comparing the two quarters.  Salary expense and related payroll taxes increased $158,000, to $3,870,000 during the fourth quarter 2022 compared to the same period in 2021 with increases in salaries of $268,000 partly offset by decreases om incentive bonus and related taxes of $150,000.  Benefits expense decreased $234,000, when comparing the two periods.

 

Net occupancy and furniture and equipment expense decreased $14,000, to $1,259,000 for the fourth quarter 2022 due to security expense and equipment maintenance partially offset by increased software maintenance.  

 

Other non-interest expense decreased $18,000, or 5.2%, when comparing fourth quarter 2022 with the same period in 2021 due to decreased FDIC insurance and marketing expense, partly offset by increased in third-party services.

 

For the twelve months ended December 31, 2022, non-interest expense was $31,492,000, an increase of $495,000, or 1.6%, compared to the same period in 2021.

 

Provision for income taxes increased $508,000 to $1,560,000 in the fourth quarter 2022 due to increased pre-tax income and a higher effective tax rate, compared with the same period in 2021.  The effective tax rates for the quarter and twelve months ended December 31, 2022 were 22.3% and 18.7%, respectively, compared with 20.2% and 19.4%, respectively, for the same periods in 2021.  

 

 

About the Company

 

QNB Corp. is the holding company for QNB Bank, which is headquartered in Quakertown, Pennsylvania. QNB Bank currently operates twelve branches in Bucks, Montgomery and Lehigh Counties and offers commercial and retail banking services in the communities it serves. In addition, the Company provides securities and advisory services under the name of QNB Financial Services through a registered Broker/Dealer and Registered Investment Advisor, and title insurance as a member of Laurel Abstract Company LLC. More information about QNB Corp. and QNB Bank is available at QNBBank.com.

 

Forward Looking Statement

This press release may contain forward-looking statements as defined in the Private Securities Litigation Act of 1995.  Actual results and trends could differ materially from those set forth in such statements due to various factors. Such factors include the possibility that increased demand or prices for the Company’s financial services and products may not occur, changing economic and competitive conditions, technological developments, and other risks and uncertainties, including those detailed in the Company’s filings with the Securities and Exchange Commission, including "Item lA. Risk Factors," set forth in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2021. You should not place undue reliance on any forward-looking statements.  These statements speak only as of the date of this press release, even if subsequently made available by the Company on its website or otherwise.  The Company undertakes no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this press release.

 

 

Contacts:

David W. Freeman

Jeffrey Lehocky

 

President & Chief Executive Officer

Chief Financial Officer

 

215-538-5600 x-5619

215-538-5600 x-5716

 

dfreeman@qnbbank.com

jlehocky@qnbbank.com

 

QNB Corp.

 

Consolidated Selected Financial Data (unaudited)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance Sheet (Period End)

12/31/22

 

9/30/22

 

6/30/22

 

3/31/22

 

12/31/21

 

Assets

$

1,668,497

 

$

1,645,068

 

$

1,646,695

 

$

1,647,986

 

$

1,673,340

 

Cash and cash equivalents

 

15,899

 

 

17,218

 

 

17,094

 

 

13,260

 

 

13,390

 

Investment securities

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Debt securities, AFS

 

546,525

 

 

555,710

 

 

609,567

 

 

656,846

 

 

692,360

 

Equity securities

 

12,056

 

 

10,444

 

 

11,617

 

 

12,652

 

 

12,410

 

Loans held-for-sale

 

-

 

 

-

 

 

-

 

 

-

 

 

-

 

Loans receivable

 

1,039,385

 

 

1,008,306

 

 

963,414

 

 

926,369

 

 

926,470

 

Allowance for loan losses

 

(10,531

)

 

(11,338

)

 

(11,297

)

 

(11,231

)

 

(11,184

)

Net loans

 

1,028,854

 

 

996,968

 

 

952,117

 

 

915,138

 

 

915,286

 

Deposits

 

1,418,369

 

 

1,476,668

 

 

1,467,728

 

 

1,451,753

 

 

1,449,745

 

Demand, non-interest bearing

 

231,849

 

 

236,167

 

 

240,281

 

 

242,024

 

 

243,006

 

Interest-bearing demand, money market and savings

 

1,011,071

 

 

1,065,472

 

 

1,065,638

 

 

1,046,074

 

 

1,038,366

 

Time

 

175,449

 

 

175,029

 

 

161,809

 

 

163,655

 

 

168,373

 

Short-term borrowings

 

161,327

 

 

92,896

 

 

77,836

 

 

76,738

 

 

68,476

 

Long-term debt

 

10,000

 

 

10,000

 

 

10,000

 

 

10,000

 

 

10,000

 

Shareholders' equity

 

70,958

 

 

58,124

 

 

83,738

 

 

102,498

 

 

136,494

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Asset Quality Data (Period End)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-accrual loans

$

4,820

 

$

6,337

 

$

7,085

 

$

7,272

 

$

7,530

 

Loans past due 90 days or more and still accruing

 

-

 

 

-

 

 

-

 

 

-

 

 

-

 

Restructured loans

 

4,301

 

 

4,357

 

 

4,309

 

 

4,375

 

 

4,142

 

Non-performing loans

 

9,121

 

 

10,694

 

 

11,394

 

 

11,647

 

 

11,672

 

Other real estate owned and repossessed assets

 

-

 

 

-

 

 

-

 

 

-

 

 

-

 

Non-performing assets

$

9,121

 

$

10,694

 

$

11,394

 

$

11,647

 

$

11,672

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses

$

10,531

 

$

11,338

 

$

11,297

 

$

11,231

 

$

11,184

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Non-performing loans / Loans excluding held-for-sale

 

0.88

%

 

1.06

%

 

1.18

%

 

1.26

%

 

1.26

%

Non-performing assets / Assets

 

0.55

%

 

0.65

%

 

0.69

%

 

0.71

%

 

0.70

%

Allowance for loan losses / Loans excluding held-for-sale

 

1.01

%

 

1.12

%

 

1.17

%

 

1.21

%

 

1.21

%

 


 

QNB Corp.

Consolidated Selected Financial Data (unaudited)

 

 

 

 

 

 

 

 

 

(Dollars in thousands, except per share data)

Three months ended,

 

Twelve months ended

For the period:

12/31/22

9/30/22

6/30/22

3/31/22

12/31/21

 

12/31/22

12/31/21

 

 

 

 

 

 

 

 

 

Interest income

$14,739

$13,546

$12,327

$11,809

$11,938

 

$52,421

$46,770

Interest expense

3,460

2,167

1,224

1,073

1,130

 

7,924

4,643

Net interest income

11,279

11,379

11,103

10,736

10,808

 

44,497

42,127

Provision for loan losses

(850)

-

-

-

-

 

(850)

458

Net interest income after provision  for loan losses

12,129

11,379

11,103

10,736

10,808

 

45,347

41,669

Non-interest income:

 

 

 

 

 

 

 

 

Fees for services to customers

404

423

403

384

368

 

1,614

1,326

ATM and debit card

704

669

705

641

693

 

2,719

2,682

Retail brokerage and advisory income

184

194

205

205

208

 

788

786

Net realized gain on investment securities

(227)

-

457

36

766

 

266

1,806

Unrealized gain (loss) on  equity securities

1,602

(1,174)

(1,446)

(8)

87

 

(1,026)

926

Net gain on sale of loans

-

6

-

-

58

 

6

595

Other

330

366

315

353

348

 

1,364

1,660

Total non-interest income

2,997

484

639

1,611

2,528

 

5,731

9,781

Non-interest expense:

 

 

 

 

 

 

 

 

Salaries and employee benefits

4,464

4,371

4,205

4,266

4,540

 

17,306

17,453

Net occupancy and furniture and equipment

1,259

1,314

1,274

1,265

1,273

 

5,112

5,015

Other

2,396

2,129

2,267

2,282

2,322

 

9,074

8,529

Total non-interest expense

8,119

7,814

7,746

7,813

8,135

 

31,492

30,997

Income before income taxes

7,007

4,049

3,996

4,534

5,201

 

19,586

20,453

Provision for income taxes

1,560

634

647

824

1,052

 

3,665

3,961

Net income

$5,447

$3,415

$3,349

$3,710

$4,149

 

$15,921

$16,492

 

 

 

 

 

 

 

 

 

Share and Per Share Data:

 

 

 

 

 

 

 

 

Net income - basic

$1.52

$0.96

$0.94

$1.04

$1.17

 

$4.47

$4.64

Net income - diluted

$1.52

$0.96

$0.94

$1.04

$1.17

 

$4.47

$4.64

Book value

$19.84

$16.25

$23.47

$28.81

$38.41

 

$19.84

$38.41

Cash dividends

$0.36

$0.36

$0.36

$0.36

$0.35

 

$1.44

$1.40

Average common shares outstanding

   - basic

3,577,587

3,567,987

3,559,185

3,552,854

3,549,584

 

3,564,481

3,553,949

Average common shares outstanding

  - diluted

3,577,587

3,567,987

3,559,185

3,554,456

3,550,542

 

3,564,481

3,554,138

 

 

 

 

 

 

 

 

 

QNB Corp.

Consolidated Selected Financial Data (unaudited)

 

 

 

 

 

 

 

 

 

(Dollars in thousands, except per share data)

Three months ended,

 

Twelve months ended

For the period:

12/31/22

9/30/22

6/30/22

3/31/22

12/31/21

 

12/31/22

12/31/21

Selected Ratios:

 

 

 

 

 

 

 

 

Return on average assets

1.24%

0.78%

0.79%

0.90%

0.98%

 

0.93%

1.04%

Return on average shareholders' equity

14.38%

9.20%

9.28%

10.60%

11.82%

 

10.90%

12.19%

Net interest margin (tax equivalent)

2.68%

2.72%

2.73%

2.71%

2.68%

 

2.71%

2.79%

Efficiency ratio (tax equivalent)

56.20%

64.88%

64.98%

62.35%

59.29%

 

61.82%

58.69%

Average shareholders' equity to total

   average assets

8.65%

8.53%

8.51%

8.43%

8.53%

 

8.54%

8.53%

Net loan charge-offs (recoveries)

$(43)

$(41)

$(66)

$(47)

$30

 

$(197)

$100

Net loan charge-offs (recoveries) -  annualized / Average loans excluding  held-for-sale

-0.02%

-0.02%

-0.03%

-0.02%

0.01%

 

-0.02%

0.01%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance Sheet (Average)

 

 

 

 

 

 

 

 

Assets

$1,737,679

$1,727,132

$1,700,600

$1,675,385

$1,672,267

 

$1,710,449

$1,585,627

Investment securities (AFS &  Equities)

673,117

691,010

710,856

710,109

690,792

 

696,158

565,924

Loans receivable

1,020,102

984,968

944,773

918,602

918,631

 

967,438

928,017

Deposits

1,462,654

1,475,668

1,458,921

1,444,049

1,440,611

 

1,460,416

1,359,100

Shareholders' equity

150,281

147,296

144,688

141,986

139,227

 

146,088

135,324

 


 

QNB Corp. (Consolidated)

 

 

 

 

 

 

 

Average Balances, Rate, and Interest Income and Expense Summary (Tax-Equivalent Basis)

 

 

 

 

 

 

 

 

 

Three Months Ended

 

December 31, 2022

 

December 31, 2021

 

Average

Average

 

 

Average

Average

 

 

Balance

Rate

Interest

 

Balance

Rate

Interest

Assets

 

 

 

 

 

 

 

Investment securities:

 

 

 

 

 

 

 

   U.S. Treasury

$298

1.50%

$1

 

$-

0.00%

$-

   U.S. Government agencies

101,941

1.11

283

 

97,975

1.07

262

   State and municipal

124,514

2.35

731

 

127,969

2.39

766

   Mortgage-backed and CMOs

428,186

1.62

1,737

 

444,048

1.33

1,472

   Corporate debt securities

6,647

4.38

73

 

6,710

4.33

72

   Equities

11,531

3.50

102

 

14,090

3.14

111

     Total investment securities

673,117

1.74

2,927

 

690,792

1.55

2,683

Loans:

 

 

 

 

 

 

 

  Commercial real estate

678,061

4.43

7,578

 

585,184

4.06

5,988

  Residential real estate

106,045

3.47

920

 

98,233

3.35

823

  Home equity loans

58,860

5.63

835

 

56,232

3.27

462

  Commercial and industrial

152,183

6.14

2,357

 

154,080

4.90

1,903

  Consumer loans

4,298

6.65

72

 

4,873

5.11

63

  Tax-exempt loans

20,655

3.44

179

 

22,093

3.29

183

     Total loans, net of unearned income*

1,020,102

4.64

11,941

 

920,695

4.06

9,422

Other earning assets

4,360

3.93

43

 

18,740

0.39

18

     Total earning assets

1,697,579

3.49

14,911

 

1,630,227

2.95

12,123

Cash and due from banks

12,854

 

 

 

14,364

 

 

Allowance for loan losses

(11,351)

 

 

 

(11,220)

 

 

Other assets

38,597

 

 

 

38,896

 

 

     Total assets

$1,737,679

 

 

 

$1,672,267

 

 

 

 

 

 

 

 

 

 

Liabilities and Shareholders' Equity

 

 

 

 

 

 

 

Interest-bearing deposits:

 

 

 

 

 

 

 

  Interest-bearing demand

$351,283

0.46

412

 

$329,406

0.19

154

  Municipals

127,252

2.91

933

 

140,378

0.32

113

  Money market

132,282

0.65

216

 

138,309

0.32

110

  Savings

433,930

0.79

863

 

413,047

0.30

309

  Time < $100

91,196

0.88

201

 

94,801

0.83

198

  Time $100 through $250

60,200

1.38

209

 

51,425

0.74

96

  Time > $250

25,103

1.05

66

 

24,673

0.77

48

     Total interest-bearing deposits

1,221,246

0.94

2,900

 

1,192,039

0.34

1,028

Short-term borrowings

106,295

1.94

520

 

72,820

0.34

62

Long-term debt

10,000

1.57

40

 

10,000

1.57

40

     Total interest-bearing liabilities

1,337,541

1.03

3,460

 

1,274,859

0.35

1,130

Non-interest-bearing deposits

241,408

 

 

 

248,572

 

 

Other liabilities

8,449

 

 

 

9,609

 

 

Shareholders' equity

150,281

 

 

 

139,227

 

 

    Total liabilities and

 

 

 

 

 

 

 

       shareholders' equity

$1,737,679

 

 

 

$1,672,267

 

 

Net interest rate spread

 

2.46%

 

 

 

2.60%

 

Margin/net interest income

 

2.68%

$11,451

 

 

2.68%

$10,993

 

Tax-exempt securities and loans were adjusted to a tax-equivalent basis and are based on the Federal corporate tax rate of 21%.

Non-accrual loans and investment securities are included in earning assets.

* Includes loans held-for-sale

 

 

 

 

 

 

 


 

QNB Corp. (Consolidated)

 

 

 

 

 

 

 

Average Balances, Rate, and Interest Income and Expense Summary (Tax-Equivalent Basis)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year Ended

 

December 31, 2022

 

December 31, 2021

 

Average

Average

 

 

Average

Average

 

 

Balance

Rate

Interest

 

Balance

Rate

Interest

Assets

 

 

 

 

 

 

 

Investment securities:

 

 

 

 

 

 

 

   U.S. Treasury

$524

1.18%

$6

 

$-

0.00%

$-

   U.S. Government agencies

101,455

1.10

1,119

 

80,340

1.05

842

   State and municipal

128,126

2.39

3,056

 

112,011

2.47

2,765

   Mortgage-backed and CMOs

447,369

1.58

7,059

 

351,801

1.29

4,540

   Corporate debt securities

6,673

4.37

291

 

7,291

4.01

292

   Equities

12,011

3.32

399

 

14,481

3.02

437

     Total investment securities

696,158

1.71

11,930

 

565,924

1.57

8,876

Loans:

 

 

 

 

 

 

 

  Commercial real estate

637,023

4.20

26,759

 

556,822

4.15

23,098

  Residential real estate

104,397

3.34

3,484

 

95,241

3.41

3,244

  Home equity loans

56,155

4.38

2,459

 

57,311

3.29

1,886

  Commercial and industrial

145,579

5.10

7,432

 

193,491

4.75

9,189

  Consumer loans

4,512

5.63

254

 

5,097

4.98

254

  Tax-exempt loans

19,778

3.42

676

 

24,026

3.47

835

     Total loans, net of unearned income*

967,444

4.24

41,064

 

931,988

4.13

38,506

Other earning assets

5,782

2.42

140

 

36,715

0.26

94

     Total earning assets

1,669,384

3.18

53,134

 

1,534,627

3.09

47,476

Cash and due from banks

13,803

 

 

 

23,408

 

 

Allowance for loan losses

(11,287)

 

 

 

(11,157)

 

 

Other assets

38,549

 

 

 

38,749

 

 

     Total assets

$1,710,449

 

 

 

$1,585,627

 

 

 

 

 

 

 

 

 

 

Liabilities and Shareholders' Equity

 

 

 

 

 

 

 

Interest-bearing deposits:

 

 

 

 

 

 

 

  Interest-bearing demand

$345,054

0.27

933

 

$307,258

0.20

624

  Municipals

122,824

1.43

1,758

 

127,828

0.32

411

  Money market

137,830

0.45

617

 

122,361

0.31

381

  Savings

443,104

0.49

2,175

 

386,630

0.30

1,178

  Time < $100

91,216

0.79

723

 

98,986

0.93

921

  Time $100 through $250

52,314

0.93

489

 

52,693

0.86

454

  Time > $250

25,296

0.83

209

 

26,833

0.96

257

     Total interest-bearing deposits

1,217,638

0.57

6,904

 

1,122,589

0.38

4,226

Short-term borrowings

106,295

1.00

861

 

72,820

0.36

258

Long-term debt

10,000

1.57

159

 

10,000

1.57

159

     Total interest-bearing liabilities

1,333,933

0.60

7,924

 

1,205,409

0.39

4,643

Non-interest-bearing deposits

242,778

 

 

 

236,511

 

 

Other liabilities

8,069

 

 

 

9,545

 

 

Shareholders' equity

146,088

 

 

 

135,324

 

 

    Total liabilities and

 

 

 

 

 

 

 

       shareholders' equity

$1,730,868

 

 

 

$1,586,789

 

 

Net interest rate spread

 

2.58%

 

 

 

2.70%

 

Margin/net interest income

 

2.71%

$45,210

 

 

2.79%

$42,833

Tax-exempt securities and loans were adjusted to a tax-equivalent basis and are based on the Federal corporate tax rate of 21%

Non-accrual loans and investment securities are included in earning assets.

* Includes loans held-for-sale

 

 

 

 

 

 

 

 

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Document and Entity Information
Jan. 24, 2023
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Jan. 24, 2023
Entity Registrant Name QNB Corp.
Entity Central Index Key 0000750558
Entity Emerging Growth Company false
Entity File Number 0-17706
Entity Incorporation, State or Country Code PA
Entity Tax Identification Number 23-2318082
Entity Address, Address Line One 15 North Third Street
Entity Address, Address Line Two P.O. Box 9005
Entity Address, City or Town Quakertown
Entity Address, State or Province PA
Entity Address, Postal Zip Code 18951-9005
City Area Code 215
Local Phone Number 538-5600
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Security 12b Title Common Stock
Trading Symbol QNBC
Security Exchange Name NONE
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