Call reports 2014
KOPERNIK BANK — 2014
What KOPERNIK BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 69,399,000 | 69,165,000 | 68,488,000 | 68,433,000 |
| Total loans | 44,394,000 | 43,880,000 | 42,365,000 | 41,893,000 |
| Allowance for loan losses | 225,000 | 222,000 | 225,000 | 223,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,937,000 | 7,681,000 | 7,506,000 | 7,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,458,000 | 61,190,000 | 60,369,000 | 60,189,000 |
| Interest-bearing deposits | 60,560,000 | 60,290,000 | 58,871,000 | 59,456,000 |
| Noninterest-bearing deposits | 898,000 | 900,000 | 1,498,000 | 733,000 |
| Equity capital | 7,773,000 | 7,920,000 | 8,044,000 | 8,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 1,379,000 | 2,018,000 | 2,630,000 |
| Interest expense | 126,000 | 249,000 | 374,000 | 500,000 |
| Net interest income | 596,000 | 1,130,000 | 1,644,000 | 2,130,000 |
| Noninterest income | 3,000 | 6,000 | 8,000 | 11,000 |
| Noninterest expense | 293,000 | 606,000 | 903,000 | 1,203,000 |
| Provision for loan losses | 71,000 | 71,000 | 97,000 | 97,000 |
| Pretax income | 235,000 | 459,000 | 652,000 | 841,000 |
| Income tax | 122,000 | 198,000 | 267,000 | 337,000 |
| Net income | 113,000 | 261,000 | 385,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,773,000 | 7,920,000 | 8,044,000 | 8,163,000 |
| Total capital | 7,998,000 | 8,142,000 | 8,269,000 | 8,387,000 |
| Risk-weighted assets | 29,462,000 | 29,017,000 | 28,200,000 | 27,875,000 |