Call reports 2013
KOSCIUSZKO FEDERAL SAVINGS BANK — 2013
What KOSCIUSZKO FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 12,416,000 | 12,460,000 | 12,083,000 | 12,557,000 |
| Total loans | 10,205,000 | 9,975,000 | 9,577,000 | 9,751,000 |
| Allowance for loan losses | 72,000 | 75,000 | 77,000 | 79,000 |
| Securities available for sale | 196,000 | 187,000 | 185,000 | 186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,905,000 | 9,926,000 | 9,513,000 | 10,037,000 |
| Interest-bearing deposits | 9,705,000 | 9,668,000 | 9,358,000 | 9,743,000 |
| Noninterest-bearing deposits | 200,000 | 258,000 | 155,000 | 294,000 |
| Equity capital | 2,475,000 | 2,500,000 | 2,522,000 | 2,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 158,000 | 310,000 | 455,000 | 597,000 |
| Interest expense | 28,000 | 53,000 | 79,000 | 100,000 |
| Net interest income | 130,000 | 257,000 | 376,000 | 497,000 |
| Noninterest income | 1,000 | 2,000 | 4,000 | 5,000 |
| Noninterest expense | 111,000 | 192,000 | 272,000 | 436,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 9,000 |
| Pretax income | 18,000 | 62,000 | 101,000 | 57,000 |
| Income tax | 3,000 | 16,000 | 31,000 | 10,000 |
| Net income | 15,000 | 46,000 | 70,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,469,000 | 2,503,000 | 2,527,000 | 2,505,000 |
| Total capital | 2,483,000 | 2,578,000 | 2,604,000 | 2,582,000 |
| Risk-weighted assets | 6,229,000 | 6,250,000 | 6,026,000 | 6,192,000 |