Call reports 2012
KOSCIUSZKO FEDERAL SAVINGS BANK — 2012
What KOSCIUSZKO FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 12,841,000 | 13,008,000 | 12,988,000 | 12,877,000 |
| Total loans | 10,567,000 | 10,568,000 | 10,645,000 | 10,485,000 |
| Allowance for loan losses | 65,000 | 67,000 | 68,000 | 70,000 |
| Securities available for sale | 190,000 | 192,000 | 194,000 | 195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,385,000 | 10,530,000 | 10,452,000 | 10,393,000 |
| Interest-bearing deposits | 10,162,000 | 10,251,000 | 10,293,000 | 10,218,000 |
| Noninterest-bearing deposits | 223,000 | 279,000 | 159,000 | 175,000 |
| Equity capital | 2,419,000 | 2,446,000 | 2,484,000 | 2,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 156,000 | 304,000 | 474,000 | 651,000 |
| Interest expense | 33,000 | 67,000 | 99,000 | 130,000 |
| Net interest income | 123,000 | 237,000 | 375,000 | 521,000 |
| Noninterest income | 1,000 | 3,000 | 4,000 | 5,000 |
| Noninterest expense | 109,000 | 191,000 | 270,000 | 445,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 7,000 |
| Pretax income | 13,000 | 46,000 | 104,000 | 74,000 |
| Income tax | 3,000 | 11,000 | 33,000 | 29,000 |
| Net income | 10,000 | 35,000 | 71,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,419,000 | 2,444,000 | 2,480,000 | 2,455,000 |
| Total capital | 2,484,000 | 2,511,000 | 2,503,000 | 2,469,000 |
| Risk-weighted assets | 6,332,000 | 6,596,000 | 6,371,000 | 6,058,000 |