Call reports 2014
QUOIN FINANCIAL BANK — 2014
What QUOIN FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,740,000 | 143,315,000 | 147,453,000 | 148,164,000 |
| Total loans | 96,925,000 | 98,348,000 | 100,982,000 | 105,675,000 |
| Allowance for loan losses | 1,192,000 | 1,199,000 | 1,200,000 | 1,301,000 |
| Securities available for sale | 28,597,000 | 29,425,000 | 29,314,000 | 28,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,029,000 | 115,394,000 | 119,108,000 | 125,573,000 |
| Interest-bearing deposits | 97,281,000 | 94,273,000 | 96,680,000 | 100,604,000 |
| Noninterest-bearing deposits | 25,748,000 | 21,121,000 | 22,428,000 | 24,969,000 |
| Equity capital | 15,458,000 | 16,043,000 | 16,579,000 | 16,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,555,000 | 3,194,000 | 4,808,000 | 6,474,000 |
| Interest expense | 250,000 | 491,000 | 702,000 | 912,000 |
| Net interest income | 1,305,000 | 2,703,000 | 4,106,000 | 5,562,000 |
| Noninterest income | 136,000 | 267,000 | 492,000 | 648,000 |
| Noninterest expense | 896,000 | 1,772,000 | 2,650,000 | 3,844,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 612,000 | 1,308,000 | 2,059,000 | 2,377,000 |
| Income tax | 197,000 | 423,000 | 668,000 | 776,000 |
| Net income | 415,000 | 885,000 | 1,391,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,175,000 | 15,734,000 | 16,320,000 | 15,830,000 |
| Total capital | 16,367,000 | 16,933,000 | 17,520,000 | 17,131,000 |
| Risk-weighted assets | 113,808,000 | 114,606,000 | 117,128,000 | 120,896,000 |