Call reports 2013
KODABANK — 2013
What KODABANK 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 | 135,685,000 | 135,964,000 | 140,073,000 | 141,666,000 |
| Total loans | 80,890,000 | 88,109,000 | 92,784,000 | 93,236,000 |
| Allowance for loan losses | 761,000 | 798,000 | 945,000 | 899,000 |
| Securities available for sale | 26,169,000 | 25,301,000 | 23,974,000 | 23,906,000 |
| Securities held to maturity | 6,792,000 | 7,286,000 | 7,858,000 | 8,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,114,000 | 121,162,000 | 117,506,000 | 126,072,000 |
| Interest-bearing deposits | 101,878,000 | 101,033,000 | 98,389,000 | 100,399,000 |
| Noninterest-bearing deposits | 19,236,000 | 20,129,000 | 19,117,000 | 25,673,000 |
| Equity capital | 14,032,000 | 14,370,000 | 14,363,000 | 13,903,000 |
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 | 1,278,000 | 2,626,000 | 4,194,000 | 5,607,000 |
| Interest expense | 179,000 | 357,000 | 532,000 | 704,000 |
| Net interest income | 1,099,000 | 2,269,000 | 3,662,000 | 4,903,000 |
| Noninterest income | 98,000 | 203,000 | 311,000 | 413,000 |
| Noninterest expense | 588,000 | 1,183,000 | 1,823,000 | 2,489,000 |
| Provision for loan losses | 50,000 | 100,000 | 250,000 | 320,000 |
| Pretax income | 559,000 | 1,189,000 | 1,900,000 | 2,507,000 |
| Income tax | 30,000 | -72,000 | -72,000 | -72,000 |
| Net income | 529,000 | 1,261,000 | 1,972,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,867,000 | 13,398,000 | 13,459,000 | 13,091,000 |
| Total capital | 13,628,000 | 14,196,000 | 14,404,000 | 13,990,000 |
| Risk-weighted assets | 85,031,000 | 91,476,000 | 96,968,000 | 97,824,000 |