Call reports 2004
QUOIN FINANCIAL BANK — 2004
What QUOIN FINANCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,016,000 | 95,486,000 | 93,482,000 | 97,839,000 |
| Total loans | 64,968,000 | 70,350,000 | 69,925,000 | 74,312,000 |
| Allowance for loan losses | 1,237,000 | 1,237,000 | 1,231,000 | 1,281,000 |
| Securities available for sale | 20,112,000 | 15,382,000 | 15,359,000 | 14,860,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,389,000 | 78,434,000 | 77,230,000 | 81,316,000 |
| Interest-bearing deposits | 71,205,000 | 68,107,000 | 66,481,000 | 69,604,000 |
| Noninterest-bearing deposits | 10,184,000 | 10,327,000 | 10,749,000 | 11,712,000 |
| Equity capital | 11,371,000 | 11,490,000 | 12,056,000 | 11,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,788,000 | 4,238,000 | 5,709,000 |
| Interest expense | 343,000 | 667,000 | 999,000 | 1,357,000 |
| Net interest income | 1,110,000 | 2,121,000 | 3,239,000 | 4,352,000 |
| Noninterest income | 112,000 | 194,000 | 292,000 | 393,000 |
| Noninterest expense | 579,000 | 1,159,000 | 1,741,000 | 2,945,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 707,000 | 1,292,000 | 1,955,000 | 1,915,000 |
| Income tax | 212,000 | 377,000 | 571,000 | 512,000 |
| Net income | 495,000 | 915,000 | 1,384,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,291,000 | 11,661,000 | 12,080,000 | 11,169,000 |
| Total capital | 12,261,000 | 12,659,000 | 13,058,000 | 12,193,000 |
| Risk-weighted assets | 77,316,000 | 79,562,000 | 77,954,000 | 81,624,000 |