Call reports 2019
QUOIN FINANCIAL BANK — 2019
What QUOIN FINANCIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 174,031,000 | 169,096,000 | 171,654,000 | 174,658,000 |
| Total loans | 126,448,000 | 129,287,000 | 127,997,000 | 134,670,000 |
| Allowance for loan losses | 1,775,000 | 1,775,000 | 1,775,000 | 1,875,000 |
| Securities available for sale | 23,851,000 | 23,907,000 | 23,086,000 | 22,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,682,000 | 139,882,000 | 142,707,000 | 146,119,000 |
| Interest-bearing deposits | 121,609,000 | 114,202,000 | 115,228,000 | 118,910,000 |
| Noninterest-bearing deposits | 23,073,000 | 25,680,000 | 27,479,000 | 27,209,000 |
| Equity capital | 19,658,000 | 20,548,000 | 21,306,000 | 20,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,230,000 | 4,537,000 | 6,864,000 | 9,165,000 |
| Interest expense | 476,000 | 958,000 | 1,439,000 | 1,932,000 |
| Net interest income | 1,754,000 | 3,579,000 | 5,425,000 | 7,233,000 |
| Noninterest income | 189,000 | 403,000 | 619,000 | 821,000 |
| Noninterest expense | 1,068,000 | 2,195,000 | 3,327,000 | 5,091,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 875,000 | 1,787,000 | 2,717,000 | 2,863,000 |
| Income tax | 201,000 | 411,000 | 631,000 | 654,000 |
| Net income | 674,000 | 1,376,000 | 2,086,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,790,000 | 20,493,000 | 21,203,000 | 20,376,000 |
| Total capital | 21,543,000 | 22,268,000 | 22,960,000 | 22,199,000 |
| Risk-weighted assets | 140,281,000 | 142,727,000 | 140,558,000 | 145,843,000 |