Call reports 2006
KRESS NATIONAL BANK — 2006
What KRESS NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,626,000 | 27,730,000 | 30,292,000 | 29,168,000 |
| Total loans | 7,580,000 | 12,137,000 | 15,027,000 | 10,918,000 |
| Allowance for loan losses | 123,000 | 131,000 | 144,000 | 155,000 |
| Securities available for sale | 14,819,000 | 13,996,000 | 13,502,000 | 12,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,840,000 | 24,387,000 | 22,850,000 | 26,080,000 |
| Interest-bearing deposits | 19,975,000 | 20,140,000 | 19,307,000 | 19,694,000 |
| Noninterest-bearing deposits | 5,865,000 | 4,247,000 | 3,543,000 | 6,386,000 |
| Equity capital | 2,671,000 | 2,511,000 | 2,740,000 | 2,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 384,000 | 787,000 | 1,291,000 | 1,793,000 |
| Interest expense | 136,000 | 286,000 | 497,000 | 717,000 |
| Net interest income | 248,000 | 501,000 | 794,000 | 1,076,000 |
| Noninterest income | 47,000 | 98,000 | 155,000 | 213,000 |
| Noninterest expense | 187,000 | 374,000 | 575,000 | 802,000 |
| Provision for loan losses | 6,000 | 13,000 | 26,000 | 37,000 |
| Pretax income | 102,000 | 212,000 | 348,000 | 450,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 212,000 | 348,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,972,000 | 3,015,000 | 3,037,000 | 3,140,000 |
| Total capital | 3,095,000 | 3,146,000 | 3,181,000 | 3,295,000 |
| Risk-weighted assets | 15,503,000 | 15,241,000 | 18,269,000 | 16,426,000 |
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