Call reports 2007
KRESS NATIONAL BANK — 2007
What KRESS NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,412,000 | 30,216,000 | 33,859,000 | 34,067,000 |
| Total loans | 10,120,000 | 14,355,000 | 17,361,000 | 10,359,000 |
| Allowance for loan losses | 158,000 | 164,000 | 179,000 | 192,000 |
| Securities available for sale | 14,053,000 | 14,156,000 | 14,326,000 | 14,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,389,000 | 24,129,000 | 25,487,000 | 30,485,000 |
| Interest-bearing deposits | 21,424,000 | 20,224,000 | 20,340,000 | 21,723,000 |
| Noninterest-bearing deposits | 3,965,000 | 3,905,000 | 5,147,000 | 8,762,000 |
| Equity capital | 2,839,000 | 2,758,000 | 3,076,000 | 3,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 936,000 | 1,538,000 | 2,090,000 |
| Interest expense | 197,000 | 424,000 | 701,000 | 939,000 |
| Net interest income | 247,000 | 512,000 | 837,000 | 1,151,000 |
| Noninterest income | 54,000 | 113,000 | 168,000 | 227,000 |
| Noninterest expense | 187,000 | 384,000 | 593,000 | 829,000 |
| Provision for loan losses | 3,000 | 9,000 | 24,000 | 38,000 |
| Pretax income | 111,000 | 232,000 | 388,000 | 511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 232,000 | 388,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,046,000 | 3,093,000 | 3,197,000 | 3,319,000 |
| Total capital | 3,204,000 | 3,257,000 | 3,376,000 | 3,511,000 |
| Risk-weighted assets | 17,360,000 | 18,542,000 | 21,289,000 | 20,315,000 |
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