Call reports 2016
QUOIN FINANCIAL BANK — 2016
What QUOIN FINANCIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 154,141,000 | 147,962,000 | 146,462,000 | 153,531,000 |
| Total loans | 100,593,000 | 100,497,000 | 100,093,000 | 105,536,000 |
| Allowance for loan losses | 1,344,000 | 1,351,000 | 1,362,000 | 1,365,000 |
| Securities available for sale | 28,965,000 | 29,931,000 | 28,994,000 | 27,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,978,000 | 124,645,000 | 123,445,000 | 130,167,000 |
| Interest-bearing deposits | 105,837,000 | 102,717,000 | 100,815,000 | 105,930,000 |
| Noninterest-bearing deposits | 25,141,000 | 21,928,000 | 22,630,000 | 24,237,000 |
| Equity capital | 17,181,000 | 17,744,000 | 17,922,000 | 16,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,338,000 | 5,058,000 | 6,726,000 |
| Interest expense | 223,000 | 450,000 | 672,000 | 897,000 |
| Net interest income | 1,449,000 | 2,888,000 | 4,386,000 | 5,829,000 |
| Noninterest income | 169,000 | 342,000 | 489,000 | 520,000 |
| Noninterest expense | 942,000 | 1,908,000 | 2,846,000 | 4,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 676,000 | 1,375,000 | 2,082,000 | 2,243,000 |
| Income tax | 220,000 | 447,000 | 684,000 | 695,000 |
| Net income | 456,000 | 928,000 | 1,398,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,846,000 | 17,317,000 | 17,538,000 | 16,978,000 |
| Total capital | 18,190,000 | 18,668,000 | 18,900,000 | 18,343,000 |
| Risk-weighted assets | 115,536,000 | 116,252,000 | 116,494,000 | 119,852,000 |