Call reports 2009
KRESS NATIONAL BANK — 2009
What KRESS NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,554,000 | 30,600,000 | 34,772,000 | 34,856,000 |
| Total loans | 13,303,000 | 17,613,000 | 19,815,000 | 13,845,000 |
| Allowance for loan losses | 269,000 | 274,000 | 283,000 | 295,000 |
| Securities available for sale | 11,273,000 | 10,505,000 | 9,984,000 | 9,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,802,000 | 26,840,000 | 26,749,000 | 30,766,000 |
| Interest-bearing deposits | 22,246,000 | 22,054,000 | 21,967,000 | 21,875,000 |
| Noninterest-bearing deposits | 6,556,000 | 4,786,000 | 4,781,000 | 8,891,000 |
| Equity capital | 3,615,000 | 3,633,000 | 3,868,000 | 3,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 375,000 | 786,000 | 1,268,000 | 1,690,000 |
| Interest expense | 107,000 | 195,000 | 274,000 | 346,000 |
| Net interest income | 268,000 | 591,000 | 994,000 | 1,344,000 |
| Noninterest income | 52,000 | 103,000 | 158,000 | 210,000 |
| Noninterest expense | 208,000 | 444,000 | 691,000 | 955,000 |
| Provision for loan losses | 2,000 | 7,000 | 16,000 | 28,000 |
| Pretax income | 110,000 | 243,000 | 445,000 | 571,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 243,000 | 445,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,455,000 | 3,511,000 | 3,651,000 | 3,777,000 |
| Total capital | 3,724,000 | 3,785,000 | 3,934,000 | 4,072,000 |
| Risk-weighted assets | 22,436,000 | 21,385,000 | 25,642,000 | 25,852,000 |
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