Call reports 2013
KOPERNIK BANK — 2013
What KOPERNIK BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,078,000 | 69,278,000 | 70,060,000 | 71,103,000 |
| Total loans | 47,046,000 | 45,295,000 | 46,102,000 | 45,549,000 |
| Allowance for loan losses | 185,000 | 188,000 | 204,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,242,000 | 7,899,000 | 8,211,000 | 8,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,866,000 | 61,810,000 | 62,428,000 | 63,195,000 |
| Interest-bearing deposits | 61,060,000 | 60,927,000 | 61,853,000 | 62,368,000 |
| Noninterest-bearing deposits | 806,000 | 883,000 | 575,000 | 827,000 |
| Equity capital | 7,145,000 | 7,353,000 | 7,518,000 | 7,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,495,000 | 2,205,000 | 2,876,000 |
| Interest expense | 142,000 | 286,000 | 437,000 | 570,000 |
| Net interest income | 614,000 | 1,209,000 | 1,768,000 | 2,306,000 |
| Noninterest income | 3,000 | 4,000 | 8,000 | 100,000 |
| Noninterest expense | 318,000 | 662,000 | 951,000 | 1,285,000 |
| Provision for loan losses | 244,000 | 244,000 | 257,000 | 295,000 |
| Pretax income | 55,000 | 307,000 | 568,000 | 826,000 |
| Income tax | 72,000 | 116,000 | 213,000 | 329,000 |
| Net income | -17,000 | 191,000 | 355,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,145,000 | 7,353,000 | 7,518,000 | 7,659,000 |
| Total capital | 7,330,000 | 7,541,000 | 7,722,000 | 7,880,000 |
| Risk-weighted assets | 31,243,000 | 29,915,000 | 31,163,000 | 29,992,000 |