Call reports 2025
QUOIN FINANCIAL BANK — 2025
What QUOIN FINANCIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 247,250,000 | 243,336,000 | 245,729,000 | 241,503,000 |
| Total loans | 149,829,000 | 156,445,000 | 156,335,000 | 151,584,000 |
| Allowance for loan losses | 817,000 | 817,000 | 813,000 | 813,000 |
| Securities available for sale | 32,608,000 | 32,879,000 | 35,962,000 | 38,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,813,000 | 203,642,000 | 209,859,000 | 205,915,000 |
| Interest-bearing deposits | 171,419,000 | 170,567,000 | 173,034,000 | 169,273,000 |
| Noninterest-bearing deposits | 35,394,000 | 33,075,000 | 36,825,000 | 36,642,000 |
| Equity capital | 32,712,000 | 32,333,000 | 31,176,000 | 30,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,885,000 | 7,921,000 | 11,866,000 | 15,735,000 |
| Interest expense | 1,214,000 | 2,412,000 | 3,536,000 | 4,647,000 |
| Net interest income | 2,671,000 | 5,509,000 | 8,330,000 | 11,088,000 |
| Noninterest income | 205,000 | 442,000 | 677,000 | 949,000 |
| Noninterest expense | 2,259,000 | 4,176,000 | 6,138,000 | 8,084,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 300,000 |
| Pretax income | 618,000 | 1,492,000 | 2,752,000 | 3,836,000 |
| Income tax | 94,000 | 260,000 | 519,000 | 732,000 |
| Net income | 524,000 | 1,232,000 | 2,233,000 | 3,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,657,000 | 19,847,000 | 18,893,000 | 18,571,000 |
| Total capital | 20,474,000 | 20,664,000 | 19,706,000 | 19,384,000 |
| Risk-weighted assets | 145,599,000 | 152,507,000 | 156,734,000 | 152,643,000 |