Call reports 2015
KOSCIUSZKO FEDERAL SAVINGS BANK — 2015
What KOSCIUSZKO FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 12,000,000 | 12,007,000 | 11,762,000 |
| Total loans | 8,287,000 | 7,842,000 | 7,702,000 |
| Allowance for loan losses | 85,000 | 65,000 | 66,000 |
| Securities available for sale | 190,000 | 188,000 | 189,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 9,484,000 | 9,482,000 | 9,294,000 |
| Interest-bearing deposits | 9,284,000 | 9,251,000 | 9,120,000 |
| Noninterest-bearing deposits | 200,000 | 231,000 | 174,000 |
| Equity capital | 2,494,000 | 2,513,000 | 2,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 119,000 | 240,000 | 354,000 |
| Interest expense | 20,000 | 41,000 | 61,000 |
| Net interest income | 99,000 | 199,000 | 293,000 |
| Noninterest income | 1,000 | 1,000 | 0 |
| Noninterest expense | 117,000 | 206,000 | 356,000 |
| Provision for loan losses | 14,000 | 4,000 | 5,000 |
| Pretax income | -31,000 | -10,000 | -68,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -31,000 | -10,000 | -68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 2,493,000 | 2,513,000 | 2,457,000 |
| Total capital | 2,563,000 | 2,578,000 | 2,523,000 |
| Risk-weighted assets | 5,630,000 | 5,470,000 | 5,328,000 |