Call reports 2017
KOPERNIK BANK — 2017
What KOPERNIK BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 91,974,000 | 97,354,000 | 96,889,000 | 165,591,000 |
| Total loans | 83,367,000 | 87,243,000 | 88,715,000 | 108,811,000 |
| Allowance for loan losses | 99,000 | 117,000 | 110,000 | 149,000 |
| Securities available for sale | 0 | 0 | 0 | 100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,438,000 | 65,429,000 | 60,470,000 | 120,751,000 |
| Interest-bearing deposits | 64,496,000 | 63,679,000 | 58,601,000 | 118,392,000 |
| Noninterest-bearing deposits | 1,942,000 | 1,750,000 | 1,869,000 | 2,359,000 |
| Equity capital | 18,412,000 | 18,647,000 | 18,962,000 | 37,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,977,000 | 3,045,000 | 4,553,000 |
| Interest expense | 140,000 | 298,000 | 474,000 | 685,000 |
| Net interest income | 810,000 | 1,679,000 | 2,571,000 | 3,868,000 |
| Noninterest income | 93,000 | 103,000 | 109,000 | 4,541,000 |
| Noninterest expense | 495,000 | 944,000 | 1,359,000 | 3,232,000 |
| Provision for loan losses | 2,000 | 54,000 | 38,000 | 56,000 |
| Pretax income | 405,000 | 783,000 | 1,282,000 | 4,767,000 |
| Income tax | 166,000 | 309,000 | 493,000 | 1,186,000 |
| Net income | 239,000 | 474,000 | 789,000 | 3,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,933,000 | 17,355,000 | 17,690,000 | 35,160,000 |
| Total capital | 17,033,000 | 17,473,000 | 17,800,000 | 35,309,000 |
| Risk-weighted assets | 51,539,000 | 53,522,000 | 54,910,000 | 78,701,000 |