Call reports 2003
QUOIN FINANCIAL BANK — 2003
What QUOIN FINANCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 92,393,000 | 93,501,000 | 92,264,000 | 99,255,000 |
| Total loans | 62,604,000 | 63,321,000 | 63,533,000 | 68,801,000 |
| Allowance for loan losses | 1,185,000 | 1,185,000 | 1,186,000 | 1,236,000 |
| Securities available for sale | 22,299,000 | 23,566,000 | 20,351,000 | 21,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,945,000 | 77,213,000 | 79,172,000 | 81,640,000 |
| Interest-bearing deposits | 70,879,000 | 67,899,000 | 69,585,000 | 68,313,000 |
| Noninterest-bearing deposits | 9,066,000 | 9,314,000 | 9,587,000 | 13,327,000 |
| Equity capital | 11,199,000 | 11,695,000 | 11,914,000 | 11,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,499,000 | 2,942,000 | 4,342,000 | 5,754,000 |
| Interest expense | 446,000 | 867,000 | 1,256,000 | 1,609,000 |
| Net interest income | 1,053,000 | 2,075,000 | 3,086,000 | 4,145,000 |
| Noninterest income | 117,000 | 213,000 | 322,000 | 429,000 |
| Noninterest expense | 558,000 | 1,097,000 | 1,650,000 | 2,755,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 629,000 | 1,351,000 | 1,937,000 | 1,992,000 |
| Income tax | 197,000 | 430,000 | 611,000 | 593,000 |
| Net income | 432,000 | 921,000 | 1,326,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,959,000 | 11,418,000 | 11,794,000 | 10,956,000 |
| Total capital | 11,914,000 | 12,355,000 | 12,733,000 | 11,960,000 |
| Risk-weighted assets | 76,054,000 | 74,751,000 | 74,869,000 | 80,074,000 |