Call reports 2013
QUOIN FINANCIAL BANK — 2013
What QUOIN FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 139,957,000 | 139,741,000 | 141,593,000 | 140,775,000 |
| Total loans | 88,337,000 | 95,471,000 | 96,940,000 | 98,180,000 |
| Allowance for loan losses | 1,134,000 | 1,155,000 | 1,167,000 | 1,173,000 |
| Securities available for sale | 30,039,000 | 29,624,000 | 28,965,000 | 27,518,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,421,000 | 115,345,000 | 115,422,000 | 120,231,000 |
| Interest-bearing deposits | 92,449,000 | 93,490,000 | 93,498,000 | 95,946,000 |
| Noninterest-bearing deposits | 26,972,000 | 21,855,000 | 21,924,000 | 24,285,000 |
| Equity capital | 14,739,000 | 14,881,000 | 15,229,000 | 15,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 3,152,000 | 4,778,000 | 6,369,000 |
| Interest expense | 249,000 | 513,000 | 758,000 | 996,000 |
| Net interest income | 1,316,000 | 2,639,000 | 4,020,000 | 5,373,000 |
| Noninterest income | 118,000 | 227,000 | 382,000 | 245,000 |
| Noninterest expense | 842,000 | 1,681,000 | 2,553,000 | 3,670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 592,000 | 1,184,000 | 1,867,000 | 1,969,000 |
| Income tax | 186,000 | 371,000 | 597,000 | 604,000 |
| Net income | 406,000 | 813,000 | 1,270,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,270,000 | 14,513,000 | 15,024,000 | 14,714,000 |
| Total capital | 15,404,000 | 15,668,000 | 16,191,000 | 15,887,000 |
| Risk-weighted assets | 106,671,000 | 114,375,000 | 115,487,000 | 115,759,000 |