Call reports 2008
KRESS NATIONAL BANK — 2008
What KRESS NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,785,000 | 31,662,000 | 35,359,000 | 32,395,000 |
| Total loans | 10,942,000 | 16,470,000 | 20,912,000 | 14,502,000 |
| Allowance for loan losses | 195,000 | 208,000 | 237,000 | 267,000 |
| Securities available for sale | 13,922,000 | 13,486,000 | 12,077,000 | 11,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,276,000 | 26,366,000 | 25,951,000 | 28,622,000 |
| Interest-bearing deposits | 22,456,000 | 21,966,000 | 21,392,000 | 22,531,000 |
| Noninterest-bearing deposits | 6,820,000 | 4,401,000 | 4,560,000 | 6,091,000 |
| Equity capital | 3,324,000 | 3,122,000 | 3,401,000 | 3,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 932,000 | 1,510,000 | 2,031,000 |
| Interest expense | 192,000 | 340,000 | 494,000 | 626,000 |
| Net interest income | 266,000 | 592,000 | 1,016,000 | 1,405,000 |
| Noninterest income | 52,000 | 110,000 | 164,000 | 215,000 |
| Noninterest expense | 205,000 | 421,000 | 650,000 | 915,000 |
| Provision for loan losses | 2,000 | 15,000 | 45,000 | 75,000 |
| Pretax income | 111,000 | 266,000 | 485,000 | 630,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 266,000 | 485,000 | 630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,217,000 | 3,290,000 | 3,432,000 | 3,577,000 |
| Total capital | 3,412,000 | 3,498,000 | 3,669,000 | 3,836,000 |
| Risk-weighted assets | 20,500,000 | 19,835,000 | 24,318,000 | 20,786,000 |
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