Call reports 2005
KRESS NATIONAL BANK — 2005
What KRESS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,169,000 | 26,850,000 | 27,996,000 | 29,937,000 |
| Total loans | 7,184,000 | 9,663,000 | 12,424,000 | 8,440,000 |
| Allowance for loan losses | 117,000 | 118,000 | 117,000 | 117,000 |
| Securities available for sale | 15,965,000 | 14,903,000 | 13,508,000 | 12,466,000 |
| Securities held to maturity | 372,000 | 330,000 | 301,000 | 273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,489,000 | 23,968,000 | 23,064,000 | 27,052,000 |
| Interest-bearing deposits | 18,494,000 | 19,384,000 | 19,464,000 | 19,758,000 |
| Noninterest-bearing deposits | 3,995,000 | 4,584,000 | 3,600,000 | 7,294,000 |
| Equity capital | 2,609,000 | 2,804,000 | 2,815,000 | 2,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 608,000 | 986,000 | 1,381,000 |
| Interest expense | 83,000 | 178,000 | 301,000 | 436,000 |
| Net interest income | 206,000 | 430,000 | 685,000 | 945,000 |
| Noninterest income | 54,000 | 105,000 | 156,000 | 206,000 |
| Noninterest expense | 187,000 | 374,000 | 573,000 | 786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 161,000 | 268,000 | 365,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 73,000 | 161,000 | 268,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,846,000 | 2,891,000 | 2,967,000 | 3,064,000 |
| Total capital | 2,963,000 | 3,008,000 | 3,084,000 | 3,181,000 |
| Risk-weighted assets | 10,108,000 | 12,420,000 | 15,135,000 | 16,373,000 |
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