Call reports 2007
QUOIN FINANCIAL BANK — 2007
What QUOIN FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,056,000 | 102,275,000 | 107,725,000 | 107,814,000 |
| Total loans | 69,821,000 | 71,635,000 | 70,108,000 | 76,745,000 |
| Allowance for loan losses | 1,331,000 | 1,332,000 | 1,454,000 | 1,555,000 |
| Securities available for sale | 22,165,000 | 23,077,000 | 22,991,000 | 23,139,000 |
| Securities held to maturity | 960,000 | 960,000 | 440,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,309,000 | 88,972,000 | 94,936,000 | 93,138,000 |
| Interest-bearing deposits | 77,738,000 | 78,103,000 | 82,428,000 | 77,951,000 |
| Noninterest-bearing deposits | 12,571,000 | 10,869,000 | 12,508,000 | 15,187,000 |
| Equity capital | 11,258,000 | 11,303,000 | 11,271,000 | 11,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,906,000 | 3,703,000 | 5,402,000 | 7,280,000 |
| Interest expense | 764,000 | 1,570,000 | 2,404,000 | 3,212,000 |
| Net interest income | 1,142,000 | 2,133,000 | 2,998,000 | 4,068,000 |
| Noninterest income | 112,000 | 220,000 | 331,000 | 441,000 |
| Noninterest expense | 583,000 | 1,207,000 | 1,852,000 | 2,811,000 |
| Provision for loan losses | 0 | 0 | 225,000 | 325,000 |
| Pretax income | 671,000 | 1,160,000 | 1,266,000 | 1,409,000 |
| Income tax | 188,000 | 336,000 | 324,000 | 334,000 |
| Net income | 483,000 | 824,000 | 942,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,238,000 | 11,478,000 | 11,497,000 | 11,530,000 |
| Total capital | 12,237,000 | 12,511,000 | 12,533,000 | 12,643,000 |
| Risk-weighted assets | 79,574,000 | 82,346,000 | 82,425,000 | 88,596,000 |