Call reports 2006
QUOIN FINANCIAL BANK — 2006
What QUOIN FINANCIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,848,000 | 101,481,000 | 100,378,000 | 102,921,000 |
| Total loans | 77,316,000 | 75,464,000 | 74,013,000 | 72,496,000 |
| Allowance for loan losses | 1,330,000 | 1,378,000 | 1,429,000 | 1,330,000 |
| Securities available for sale | 16,441,000 | 18,671,000 | 18,696,000 | 19,663,000 |
| Securities held to maturity | 960,000 | 960,000 | 960,000 | 960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,690,000 | 84,637,000 | 83,920,000 | 90,500,000 |
| Interest-bearing deposits | 75,712,000 | 74,853,000 | 72,466,000 | 75,476,000 |
| Noninterest-bearing deposits | 10,978,000 | 9,784,000 | 11,454,000 | 15,024,000 |
| Equity capital | 11,901,000 | 12,233,000 | 12,878,000 | 11,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,723,000 | 5,625,000 | 7,493,000 |
| Interest expense | 566,000 | 1,152,000 | 1,807,000 | 2,527,000 |
| Net interest income | 1,235,000 | 2,571,000 | 3,818,000 | 4,966,000 |
| Noninterest income | 104,000 | 202,000 | 320,000 | 425,000 |
| Noninterest expense | 605,000 | 1,217,000 | 1,814,000 | 3,151,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 250,000 |
| Pretax income | 734,000 | 1,515,000 | 2,250,000 | 2,069,000 |
| Income tax | 220,000 | 458,000 | 685,000 | 569,000 |
| Net income | 514,000 | 1,057,000 | 1,565,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,020,000 | 12,512,000 | 12,971,000 | 11,055,000 |
| Total capital | 13,070,000 | 13,543,000 | 14,011,000 | 12,058,000 |
| Risk-weighted assets | 83,729,000 | 82,151,000 | 82,837,000 | 79,873,000 |