Call reports 2012
QUOIN FINANCIAL BANK — 2012
What QUOIN FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,735,000 | 130,950,000 | 125,440,000 | 137,938,000 |
| Total loans | 79,960,000 | 84,500,000 | 82,636,000 | 89,226,000 |
| Allowance for loan losses | 1,044,000 | 1,092,000 | 1,209,000 | 1,133,000 |
| Securities available for sale | 28,510,000 | 28,335,000 | 26,980,000 | 28,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,639,000 | 115,244,000 | 109,387,000 | 121,219,000 |
| Interest-bearing deposits | 96,289,000 | 93,392,000 | 88,234,000 | 91,866,000 |
| Noninterest-bearing deposits | 22,350,000 | 21,852,000 | 21,153,000 | 29,353,000 |
| Equity capital | 13,612,000 | 14,071,000 | 14,524,000 | 14,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,075,000 | 4,606,000 | 6,200,000 |
| Interest expense | 300,000 | 586,000 | 838,000 | 1,078,000 |
| Net interest income | 1,252,000 | 2,489,000 | 3,768,000 | 5,122,000 |
| Noninterest income | -362,000 | -302,000 | -281,000 | -435,000 |
| Noninterest expense | 802,000 | 1,610,000 | 2,413,000 | 3,376,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 75,000 |
| Pretax income | 89,000 | 528,000 | 1,138,000 | 1,375,000 |
| Income tax | -22,000 | 99,000 | 274,000 | 326,000 |
| Net income | 111,000 | 429,000 | 864,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,704,000 | 13,218,000 | 13,812,000 | 13,864,000 |
| Total capital | 13,748,000 | 14,310,000 | 15,021,000 | 14,997,000 |
| Risk-weighted assets | 96,286,000 | 101,399,000 | 98,838,000 | 106,253,000 |