Call reports 2010
QUOIN FINANCIAL BANK — 2010
What QUOIN FINANCIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 122,762,000 | 121,705,000 | 121,449,000 | 126,429,000 |
| Total loans | 84,310,000 | 90,306,000 | 85,962,000 | 89,072,000 |
| Allowance for loan losses | 1,580,000 | 1,307,000 | 2,058,000 | 1,027,000 |
| Securities available for sale | 21,701,000 | 19,857,000 | 20,072,000 | 21,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,368,000 | 108,181,000 | 108,183,000 | 113,264,000 |
| Interest-bearing deposits | 93,906,000 | 93,902,000 | 93,021,000 | 92,656,000 |
| Noninterest-bearing deposits | 15,462,000 | 14,279,000 | 15,162,000 | 20,608,000 |
| Equity capital | 12,723,000 | 12,846,000 | 12,579,000 | 12,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,625,000 | 3,269,000 | 4,918,000 | 6,520,000 |
| Interest expense | 468,000 | 885,000 | 1,290,000 | 1,659,000 |
| Net interest income | 1,157,000 | 2,384,000 | 3,628,000 | 4,861,000 |
| Noninterest income | 1,000 | 125,000 | 6,000 | -230,000 |
| Noninterest expense | 862,000 | 1,758,000 | 2,657,000 | 3,726,000 |
| Provision for loan losses | 175,000 | 475,000 | 1,225,000 | 1,225,000 |
| Pretax income | 121,000 | 335,000 | -189,000 | -261,000 |
| Income tax | -323,000 | -264,000 | -497,000 | -540,000 |
| Net income | 444,000 | 599,000 | 308,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,512,000 | 12,666,000 | 11,510,000 | 11,556,000 |
| Total capital | 13,753,000 | 13,944,000 | 12,759,000 | 12,583,000 |
| Risk-weighted assets | 99,003,000 | 102,289,000 | 99,099,000 | 104,441,000 |