Call reports 2011
QUOIN FINANCIAL BANK — 2011
What QUOIN FINANCIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 121,773,000 | 123,575,000 | 123,764,000 | 130,688,000 |
| Total loans | 83,436,000 | 88,796,000 | 87,011,000 | 87,760,000 |
| Allowance for loan losses | 1,132,000 | 1,171,000 | 962,000 | 1,134,000 |
| Securities available for sale | 23,655,000 | 23,183,000 | 23,153,000 | 24,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,201,000 | 109,090,000 | 109,364,000 | 115,064,000 |
| Interest-bearing deposits | 91,289,000 | 92,798,000 | 92,711,000 | 93,403,000 |
| Noninterest-bearing deposits | 16,912,000 | 16,292,000 | 16,653,000 | 21,661,000 |
| Equity capital | 12,862,000 | 13,248,000 | 13,617,000 | 13,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,607,000 | 3,245,000 | 4,908,000 | 6,468,000 |
| Interest expense | 332,000 | 651,000 | 963,000 | 1,260,000 |
| Net interest income | 1,275,000 | 2,594,000 | 3,945,000 | 5,208,000 |
| Noninterest income | 248,000 | 363,000 | 405,000 | 263,000 |
| Noninterest expense | 982,000 | 1,903,000 | 2,755,000 | 3,693,000 |
| Provision for loan losses | 150,000 | 375,000 | 625,000 | 775,000 |
| Pretax income | 391,000 | 722,000 | 1,013,000 | 1,141,000 |
| Income tax | 102,000 | 190,000 | 261,000 | 272,000 |
| Net income | 289,000 | 532,000 | 752,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,929,000 | 12,280,000 | 12,567,000 | 12,522,000 |
| Total capital | 13,061,000 | 13,451,000 | 13,529,000 | 13,656,000 |
| Risk-weighted assets | 96,389,000 | 101,887,000 | 100,840,000 | 101,330,000 |