Call reports 2023
QUOIN FINANCIAL BANK — 2023
What QUOIN FINANCIAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 209,381,000 | 206,428,000 | 204,326,000 | 217,178,000 |
| Total loans | 144,372,000 | 150,428,000 | 158,344,000 | 155,937,000 |
| Allowance for loan losses | 1,854,000 | 1,805,000 | 1,775,000 | 817,000 |
| Securities available for sale | 30,908,000 | 29,979,000 | 28,787,000 | 27,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,133,000 | 174,420,000 | 173,563,000 | 175,788,000 |
| Interest-bearing deposits | 142,025,000 | 138,470,000 | 136,137,000 | 139,932,000 |
| Noninterest-bearing deposits | 37,108,000 | 35,950,000 | 37,426,000 | 35,856,000 |
| Equity capital | 23,323,000 | 24,129,000 | 23,819,000 | 31,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 5,406,000 | 8,673,000 | 2,481,000 |
| Interest expense | 372,000 | 850,000 | 1,427,000 | 599,000 |
| Net interest income | 2,174,000 | 4,556,000 | 7,246,000 | 1,882,000 |
| Noninterest income | 213,000 | 412,000 | 619,000 | 140,000 |
| Noninterest expense | 1,212,000 | 2,484,000 | 5,351,000 | 1,277,000 |
| Provision for loan losses | -50,000 | -100,000 | -150,000 | 0 |
| Pretax income | 1,225,000 | 2,584,000 | 2,664,000 | 745,000 |
| Income tax | 292,000 | 616,000 | 624,000 | 168,000 |
| Net income | 933,000 | 1,968,000 | 2,040,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,638,000 | 26,673,000 | 26,745,000 | 16,279,000 |
| Total capital | — | — | — | 17,096,000 |
| Risk-weighted assets | — | — | — | 152,823,000 |