Call reports 2002
QUOIN FINANCIAL BANK — 2002
What QUOIN FINANCIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 91,295,000 | 89,959,000 | 88,664,000 | 94,723,000 |
| Total loans | 56,051,000 | 61,129,000 | 62,011,000 | 65,605,000 |
| Allowance for loan losses | 1,145,000 | 1,146,000 | 1,149,000 | 1,188,000 |
| Securities available for sale | 26,082,000 | 22,871,000 | 20,671,000 | 22,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,594,000 | 77,204,000 | 73,046,000 | 80,298,000 |
| Interest-bearing deposits | 70,110,000 | 69,442,000 | 65,678,000 | 70,294,000 |
| Noninterest-bearing deposits | 9,484,000 | 7,762,000 | 7,368,000 | 10,004,000 |
| Equity capital | 10,456,000 | 10,936,000 | 11,399,000 | 10,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,510,000 | 3,037,000 | 4,554,000 | 6,042,000 |
| Interest expense | 610,000 | 1,159,000 | 1,695,000 | 2,184,000 |
| Net interest income | 900,000 | 1,878,000 | 2,859,000 | 3,858,000 |
| Noninterest income | 123,000 | 225,000 | 323,000 | 413,000 |
| Noninterest expense | 527,000 | 1,058,000 | 1,607,000 | 2,592,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 496,000 | 1,105,000 | 1,739,000 | 1,808,000 |
| Income tax | 159,000 | 358,000 | 558,000 | 554,000 |
| Net income | 337,000 | 747,000 | 1,181,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,445,000 | 10,826,000 | 11,229,000 | 10,672,000 |
| Total capital | 11,279,000 | 11,699,000 | 12,119,000 | 11,655,000 |
| Risk-weighted assets | 66,410,000 | 69,557,000 | 70,928,000 | 78,420,000 |