Call reports 2017
QUOIN FINANCIAL BANK — 2017
What QUOIN FINANCIAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 159,536,000 | 154,702,000 | 154,776,000 | 164,547,000 |
| Total loans | 104,951,000 | 104,954,000 | 110,478,000 | 120,317,000 |
| Allowance for loan losses | 1,367,000 | 1,368,000 | 1,368,000 | 1,569,000 |
| Securities available for sale | 27,944,000 | 28,442,000 | 28,091,000 | 26,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,099,000 | 132,625,000 | 131,354,000 | 137,296,000 |
| Interest-bearing deposits | 108,535,000 | 109,183,000 | 105,834,000 | 108,056,000 |
| Noninterest-bearing deposits | 26,564,000 | 23,442,000 | 25,520,000 | 29,240,000 |
| Equity capital | 17,490,000 | 18,151,000 | 18,686,000 | 17,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,759,000 | 3,523,000 | 5,418,000 | 7,373,000 |
| Interest expense | 243,000 | 454,000 | 673,000 | 931,000 |
| Net interest income | 1,516,000 | 3,069,000 | 4,745,000 | 6,442,000 |
| Noninterest income | 161,000 | 304,000 | 459,000 | 618,000 |
| Noninterest expense | 939,000 | 1,909,000 | 2,874,000 | 4,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 738,000 | 1,465,000 | 2,331,000 | 2,558,000 |
| Income tax | 241,000 | 453,000 | 744,000 | 969,000 |
| Net income | 497,000 | 1,012,000 | 1,587,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,475,000 | 17,990,000 | 18,565,000 | 17,767,000 |
| Total capital | 18,842,000 | 19,358,000 | 19,933,000 | 19,336,000 |
| Risk-weighted assets | 118,867,000 | 120,117,000 | 124,802,000 | 134,657,000 |