Call reports 2004
KRESS NATIONAL BANK — 2004
What KRESS NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,647,000 | 25,892,000 | 27,099,000 | 26,031,000 |
| Total loans | 7,246,000 | 9,109,000 | 10,830,000 | 9,321,000 |
| Allowance for loan losses | 103,000 | 103,000 | 114,000 | 123,000 |
| Securities available for sale | 16,779,000 | 14,780,000 | 13,941,000 | 12,866,000 |
| Securities held to maturity | 560,000 | 485,000 | 437,000 | 402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,807,000 | 22,486,000 | 20,357,000 | 23,095,000 |
| Interest-bearing deposits | 18,756,000 | 18,791,000 | 17,616,000 | 17,757,000 |
| Noninterest-bearing deposits | 4,051,000 | 3,695,000 | 2,741,000 | 5,339,000 |
| Equity capital | 2,783,000 | 2,543,000 | 2,854,000 | 2,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 292,000 | 587,000 | 929,000 | 1,262,000 |
| Interest expense | 63,000 | 128,000 | 201,000 | 283,000 |
| Net interest income | 229,000 | 459,000 | 728,000 | 979,000 |
| Noninterest income | 49,000 | 104,000 | 158,000 | 210,000 |
| Noninterest expense | 173,000 | 349,000 | 531,000 | 727,000 |
| Provision for loan losses | 35,000 | 40,000 | 58,000 | 67,000 |
| Pretax income | 78,000 | 183,000 | 306,000 | 404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 183,000 | 306,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,723,000 | 2,765,000 | 2,864,000 | 2,962,000 |
| Total capital | 2,826,000 | 2,868,000 | 2,978,000 | 3,085,000 |
| Risk-weighted assets | 9,400,000 | 11,261,000 | 12,981,000 | 12,205,000 |
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