Call reports 2015
QUOIN FINANCIAL BANK — 2015
What QUOIN FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,676,000 | 156,286,000 | 147,238,000 | 150,809,000 |
| Total loans | 104,134,000 | 108,915,000 | 99,612,000 | 104,596,000 |
| Allowance for loan losses | 1,302,000 | 1,303,000 | 1,304,000 | 1,367,000 |
| Securities available for sale | 28,923,000 | 29,348,000 | 28,324,000 | 29,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,809,000 | 130,811,000 | 127,071,000 | 128,913,000 |
| Interest-bearing deposits | 103,664,000 | 105,467,000 | 103,879,000 | 104,039,000 |
| Noninterest-bearing deposits | 35,145,000 | 25,344,000 | 23,192,000 | 24,874,000 |
| Equity capital | 16,682,000 | 17,020,000 | 16,972,000 | 16,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,433,000 | 5,066,000 | 6,722,000 |
| Interest expense | 252,000 | 529,000 | 750,000 | 957,000 |
| Net interest income | 1,449,000 | 2,904,000 | 4,316,000 | 5,765,000 |
| Noninterest income | 369,000 | 514,000 | 703,000 | 1,007,000 |
| Noninterest expense | 877,000 | 1,755,000 | 2,652,000 | 3,714,000 |
| Provision for loan losses | 0 | 0 | 935,000 | 1,035,000 |
| Pretax income | 941,000 | 1,663,000 | 1,432,000 | 2,023,000 |
| Income tax | 299,000 | 537,000 | 424,000 | 613,000 |
| Net income | 642,000 | 1,126,000 | 1,008,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,322,000 | 16,806,000 | 16,688,000 | 16,489,000 |
| Total capital | 17,624,000 | 18,109,000 | 17,992,000 | 17,856,000 |
| Risk-weighted assets | 119,187,000 | 123,785,000 | 114,228,000 | 120,019,000 |