Call reports 2018
QUOIN FINANCIAL BANK — 2018
What QUOIN FINANCIAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 172,760,000 | 167,075,000 | 159,489,000 | 171,478,000 |
| Total loans | 123,119,000 | 124,945,000 | 119,496,000 | 127,126,000 |
| Allowance for loan losses | 1,570,000 | 1,581,000 | 1,573,000 | 1,775,000 |
| Securities available for sale | 25,115,000 | 25,599,000 | 24,534,000 | 24,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,727,000 | 135,851,000 | 132,855,000 | 143,410,000 |
| Interest-bearing deposits | 117,662,000 | 110,678,000 | 109,272,000 | 117,159,000 |
| Noninterest-bearing deposits | 28,065,000 | 25,173,000 | 23,583,000 | 26,251,000 |
| Equity capital | 18,154,000 | 18,784,000 | 19,345,000 | 18,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 4,140,000 | 6,275,000 | 8,380,000 |
| Interest expense | 300,000 | 637,000 | 997,000 | 1,335,000 |
| Net interest income | 1,703,000 | 3,503,000 | 5,278,000 | 7,045,000 |
| Noninterest income | 182,000 | 354,000 | 532,000 | 720,000 |
| Noninterest expense | 1,020,000 | 2,067,000 | 3,123,000 | 4,780,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 865,000 | 1,790,000 | 2,691,000 | 2,889,000 |
| Income tax | 222,000 | 456,000 | 688,000 | 739,000 |
| Net income | 643,000 | 1,334,000 | 2,003,000 | 2,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,409,000 | 19,100,000 | 19,770,000 | 19,116,000 |
| Total capital | 19,979,000 | 20,681,000 | 21,343,000 | 20,882,000 |
| Risk-weighted assets | 135,760,000 | 137,533,000 | 133,525,000 | 141,350,000 |