Call reports 2012
KOPERNIK BANK — 2012
What KOPERNIK BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 41,402,000 | 42,613,000 | 42,818,000 | 68,025,000 |
| Total loans | 27,423,000 | 27,493,000 | 28,696,000 | 47,118,000 |
| Allowance for loan losses | 134,000 | 124,000 | 147,000 | 140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,691,000 | 4,493,000 | 4,616,000 | 4,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,983,000 | 38,106,000 | 38,230,000 | 60,820,000 |
| Interest-bearing deposits | 36,167,000 | 37,170,000 | 37,547,000 | 60,240,000 |
| Noninterest-bearing deposits | 816,000 | 936,000 | 684,000 | 580,000 |
| Equity capital | 4,335,000 | 4,429,000 | 4,495,000 | 7,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 860,000 | 1,272,000 | 1,797,000 |
| Interest expense | 124,000 | 245,000 | 366,000 | 499,000 |
| Net interest income | 305,000 | 615,000 | 906,000 | 1,298,000 |
| Noninterest income | 5,000 | 7,000 | 9,000 | 80,000 |
| Noninterest expense | 223,000 | 383,000 | 574,000 | 809,000 |
| Provision for loan losses | 36,000 | 36,000 | 36,000 | 26,000 |
| Pretax income | 51,000 | 203,000 | 305,000 | 543,000 |
| Income tax | 17,000 | 75,000 | 111,000 | 182,000 |
| Net income | 34,000 | 128,000 | 194,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,335,000 | 4,429,000 | 4,495,000 | 7,162,000 |
| Total capital | 4,469,000 | 4,553,000 | 4,642,000 | 7,302,000 |
| Risk-weighted assets | 18,484,000 | 18,226,000 | 19,036,000 | 31,831,000 |