Call reports 2015
KOPERNIK BANK — 2015
What KOPERNIK BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,111,000 | 65,346,000 | 60,500,000 | 69,412,000 |
| Total loans | 41,385,000 | 41,052,000 | 41,203,000 | 47,271,000 |
| Allowance for loan losses | 201,000 | 138,000 | 141,000 | 143,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,245,000 | 7,148,000 | 7,014,000 | 6,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,823,000 | 56,930,000 | 51,999,000 | 58,245,000 |
| Interest-bearing deposits | 58,951,000 | 56,203,000 | 50,889,000 | 56,700,000 |
| Noninterest-bearing deposits | 872,000 | 727,000 | 1,110,000 | 1,545,000 |
| Equity capital | 8,228,000 | 8,361,000 | 8,428,000 | 11,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,158,000 | 1,700,000 | 2,331,000 |
| Interest expense | 122,000 | 235,000 | 345,000 | 457,000 |
| Net interest income | 440,000 | 923,000 | 1,355,000 | 1,874,000 |
| Noninterest income | 4,000 | 6,000 | 19,000 | 198,000 |
| Noninterest expense | 314,000 | 620,000 | 940,000 | 1,410,000 |
| Provision for loan losses | 33,000 | 33,000 | 82,000 | 82,000 |
| Pretax income | 97,000 | 276,000 | 352,000 | 580,000 |
| Income tax | 32,000 | 78,000 | 87,000 | 155,000 |
| Net income | 65,000 | 198,000 | 265,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,182,000 | 8,315,000 | 8,382,000 | 10,990,000 |
| Total capital | 8,383,000 | 8,453,000 | 8,523,000 | 11,133,000 |
| Risk-weighted assets | 28,609,000 | 28,624,000 | 29,662,000 | 33,824,000 |