Call reports 2024
QUOIN FINANCIAL BANK — 2024
What QUOIN FINANCIAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 220,352,000 | 226,439,000 | 229,137,000 | 237,822,000 |
| Total loans | 143,800,000 | 150,854,000 | 150,349,000 | 153,639,000 |
| Allowance for loan losses | 817,000 | 817,000 | 817,000 | 817,000 |
| Securities available for sale | 27,042,000 | 28,238,000 | 27,552,000 | 30,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,392,000 | 187,072,000 | 188,252,000 | 197,291,000 |
| Interest-bearing deposits | 146,650,000 | 153,883,000 | 157,760,000 | 165,360,000 |
| Noninterest-bearing deposits | 34,742,000 | 33,189,000 | 30,492,000 | 31,931,000 |
| Equity capital | 32,062,000 | 32,719,000 | 33,571,000 | 32,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,210,000 | 8,247,000 | 12,264,000 | 16,347,000 |
| Interest expense | 1,134,000 | 2,178,000 | 3,314,000 | 4,581,000 |
| Net interest income | 3,076,000 | 6,069,000 | 8,950,000 | 11,766,000 |
| Noninterest income | 195,000 | 419,000 | 633,000 | 848,000 |
| Noninterest expense | 2,273,000 | 4,254,000 | 6,232,000 | 8,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 998,000 | 2,235,000 | 3,352,000 | 4,411,000 |
| Income tax | 257,000 | 521,000 | 752,000 | 966,000 |
| Net income | 741,000 | 1,714,000 | 2,600,000 | 3,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,688,000 | 18,032,000 | 18,961,000 | 19,613,000 |
| Total capital | 17,505,000 | 18,849,000 | 19,778,000 | 20,430,000 |
| Risk-weighted assets | 139,428,000 | 147,237,000 | 148,416,000 | 150,013,000 |