Call reports 2021
QUOIN FINANCIAL BANK — 2021
What QUOIN FINANCIAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 205,787,000 | 205,303,000 | 199,155,000 | 207,419,000 |
| Total loans | 122,687,000 | 127,168,000 | 130,458,000 | 132,737,000 |
| Allowance for loan losses | 1,899,000 | 2,030,000 | 2,031,000 | 2,071,000 |
| Securities available for sale | 25,282,000 | 27,128,000 | 25,863,000 | 26,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,575,000 | 174,012,000 | 168,400,000 | 177,568,000 |
| Interest-bearing deposits | 140,339,000 | 136,503,000 | 132,731,000 | 137,121,000 |
| Noninterest-bearing deposits | 34,236,000 | 37,509,000 | 35,669,000 | 40,447,000 |
| Equity capital | 23,153,000 | 23,981,000 | 24,724,000 | 23,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 4,689,000 | 6,622,000 | 8,567,000 |
| Interest expense | 311,000 | 595,000 | 856,000 | 1,083,000 |
| Net interest income | 2,252,000 | 4,094,000 | 5,766,000 | 7,484,000 |
| Noninterest income | 407,000 | 797,000 | 1,171,000 | 1,495,000 |
| Noninterest expense | 1,193,000 | 2,351,000 | 3,585,000 | 5,621,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,488,000 | 2,562,000 | 3,374,000 | 3,380,000 |
| Income tax | 362,000 | 608,000 | 795,000 | 785,000 |
| Net income | 1,126,000 | 1,954,000 | 2,579,000 | 2,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,036,000 | 23,865,000 | 24,489,000 | 23,306,000 |
| Total capital | — | 25,416,000 | 26,118,000 | — |
| Risk-weighted assets | — | 123,621,000 | 129,946,000 | — |