Call reports 2018
KOPERNIK BANK — 2018
What KOPERNIK BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 161,608,000 | 157,729,000 | 150,350,000 | 144,938,000 |
| Total loans | 111,505,000 | 113,732,000 | 112,647,000 | 109,273,000 |
| Allowance for loan losses | 140,000 | 132,000 | 149,000 | 168,000 |
| Securities available for sale | 67,000 | 44,000 | 29,000 | 18,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,436,000 | 112,583,000 | 104,571,000 | 99,708,000 |
| Interest-bearing deposits | 113,282,000 | 109,319,000 | 101,913,000 | 97,083,000 |
| Noninterest-bearing deposits | 3,154,000 | 3,264,000 | 2,658,000 | 2,625,000 |
| Equity capital | 37,583,000 | 38,017,000 | 38,542,000 | 39,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,067,000 | 4,673,000 | 6,260,000 |
| Interest expense | 197,000 | 406,000 | 606,000 | 796,000 |
| Net interest income | 1,303,000 | 2,661,000 | 4,067,000 | 5,464,000 |
| Noninterest income | 55,000 | 57,000 | 83,000 | 460,000 |
| Noninterest expense | 948,000 | 1,645,000 | 2,357,000 | 3,171,000 |
| Provision for loan losses | -23,000 | -31,000 | -31,000 | -19,000 |
| Pretax income | 433,000 | 1,104,000 | 1,824,000 | 2,772,000 |
| Income tax | 106,000 | 293,000 | 489,000 | 735,000 |
| Net income | 327,000 | 811,000 | 1,335,000 | 2,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,489,000 | 36,000,000 | 36,579,000 | 37,329,000 |
| Total capital | 35,629,000 | 36,132,000 | 36,728,000 | 37,497,000 |
| Risk-weighted assets | 77,481,000 | 78,125,000 | 77,964,000 | 73,049,000 |