Call reports 2005
QUOIN FINANCIAL BANK — 2005
What QUOIN FINANCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,866,000 | 98,823,000 | 99,978,000 | 101,576,000 |
| Total loans | 69,906,000 | 72,848,000 | 76,036,000 | 78,022,000 |
| Allowance for loan losses | 1,279,000 | 1,278,000 | 1,278,000 | 1,329,000 |
| Securities available for sale | 14,221,000 | 16,788,000 | 15,108,000 | 14,994,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,008,000 | 85,726,000 | 86,367,000 | 88,092,000 |
| Interest-bearing deposits | 71,824,000 | 73,793,000 | 74,807,000 | 74,911,000 |
| Noninterest-bearing deposits | 11,184,000 | 11,933,000 | 11,560,000 | 13,181,000 |
| Equity capital | 11,570,000 | 11,975,000 | 12,362,000 | 11,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,020,000 | 4,658,000 | 6,401,000 |
| Interest expense | 384,000 | 795,000 | 1,272,000 | 1,802,000 |
| Net interest income | 1,116,000 | 2,225,000 | 3,386,000 | 4,599,000 |
| Noninterest income | 129,000 | 216,000 | 312,000 | 403,000 |
| Noninterest expense | 591,000 | 1,170,000 | 1,753,000 | 2,945,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 656,000 | 1,271,000 | 1,945,000 | 2,007,000 |
| Income tax | 192,000 | 371,000 | 571,000 | 546,000 |
| Net income | 464,000 | 900,000 | 1,374,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,583,000 | 11,970,000 | 12,393,000 | 11,555,000 |
| Total capital | 12,566,000 | 12,954,000 | 13,431,000 | 12,618,000 |
| Risk-weighted assets | 78,333,000 | 78,397,000 | 82,851,000 | 84,762,000 |