Call reports 2022
QUOIN FINANCIAL BANK — 2022
What QUOIN FINANCIAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 215,436,000 | 216,050,000 | 214,047,000 | 216,041,000 |
| Total loans | 128,880,000 | 132,880,000 | 147,132,000 | 154,073,000 |
| Allowance for loan losses | 2,021,000 | 1,971,000 | 1,931,000 | 1,911,000 |
| Securities available for sale | 33,119,000 | 33,488,000 | 31,688,000 | 31,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,042,000 | 187,681,000 | 185,337,000 | 187,998,000 |
| Interest-bearing deposits | 142,196,000 | 143,932,000 | 141,898,000 | 145,707,000 |
| Noninterest-bearing deposits | 42,846,000 | 43,749,000 | 43,439,000 | 42,291,000 |
| Equity capital | 22,961,000 | 22,448,000 | 22,866,000 | 22,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,968,000 | 6,309,000 | 8,890,000 |
| Interest expense | 214,000 | 417,000 | 647,000 | 939,000 |
| Net interest income | 1,710,000 | 3,551,000 | 5,662,000 | 7,951,000 |
| Noninterest income | 319,000 | 512,000 | 1,030,000 | 1,215,000 |
| Noninterest expense | 1,231,000 | 2,403,000 | 3,588,000 | 5,577,000 |
| Provision for loan losses | -50,000 | -100,000 | -150,000 | -200,000 |
| Pretax income | 848,000 | 1,760,000 | 3,254,000 | 3,789,000 |
| Income tax | 196,000 | 411,000 | 769,000 | 889,000 |
| Net income | 652,000 | 1,349,000 | 2,485,000 | 2,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,957,000 | 24,654,000 | 25,790,000 | 24,705,000 |