Call reports 2016
KOPERNIK BANK — 2016
What KOPERNIK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,959,000 | 103,712,000 | 89,118,000 | 90,623,000 |
| Total loans | 46,302,000 | 77,366,000 | 79,652,000 | 80,951,000 |
| Allowance for loan losses | 145,000 | 154,000 | 106,000 | 104,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,705,000 | 3,284,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,779,000 | 85,797,000 | 71,054,000 | 68,280,000 |
| Interest-bearing deposits | 55,785,000 | 84,651,000 | 69,663,000 | 66,341,000 |
| Noninterest-bearing deposits | 994,000 | 1,146,000 | 1,391,000 | 1,939,000 |
| Equity capital | 11,081,000 | 17,753,000 | 17,928,000 | 18,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,483,000 | 2,492,000 | 3,441,000 |
| Interest expense | 114,000 | 256,000 | 404,000 | 546,000 |
| Net interest income | 508,000 | 1,227,000 | 2,088,000 | 2,895,000 |
| Noninterest income | 12,000 | 539,000 | 579,000 | 599,000 |
| Noninterest expense | 478,000 | 1,187,000 | 2,071,000 | 2,695,000 |
| Provision for loan losses | 0 | 184,000 | 114,000 | 99,000 |
| Pretax income | 42,000 | 477,000 | 610,000 | 981,000 |
| Income tax | 0 | 62,000 | 20,000 | 146,000 |
| Net income | 42,000 | 415,000 | 590,000 | 835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,054,000 | 16,120,000 | 16,245,000 | 16,556,000 |
| Total capital | 11,199,000 | 16,274,000 | 16,351,000 | 16,660,000 |
| Risk-weighted assets | 33,145,000 | 48,738,000 | 50,143,000 | 50,248,000 |