Call reports 2012
KRESS NATIONAL BANK — 2012
What KRESS NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 40,027,000 | 40,216,000 | 42,247,000 | 41,539,000 |
| Total loans | 14,775,000 | 19,598,000 | 23,591,000 | 15,578,000 |
| Allowance for loan losses | 306,000 | 334,000 | 342,000 | 213,000 |
| Securities available for sale | 16,190,000 | 14,723,000 | 13,262,000 | 12,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,880,000 | 30,967,000 | 28,408,000 | 37,101,000 |
| Interest-bearing deposits | 25,018,000 | 22,277,000 | 21,404,000 | 24,409,000 |
| Noninterest-bearing deposits | 10,862,000 | 8,690,000 | 7,004,000 | 12,692,000 |
| Equity capital | 4,012,000 | 4,132,000 | 4,322,000 | 4,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 712,000 | 1,163,000 | 1,575,000 |
| Interest expense | 33,000 | 65,000 | 96,000 | 122,000 |
| Net interest income | 291,000 | 647,000 | 1,067,000 | 1,453,000 |
| Noninterest income | 41,000 | 81,000 | 120,000 | 160,000 |
| Noninterest expense | 300,000 | 551,000 | 801,000 | 1,085,000 |
| Provision for loan losses | -39,000 | -11,000 | 18,000 | 51,000 |
| Pretax income | 71,000 | 188,000 | 368,000 | 477,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 71,000 | 188,000 | 368,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,906,000 | 3,969,000 | 4,093,000 | 4,202,000 |
| Total capital | 4,167,000 | 4,276,000 | 4,441,000 | 4,427,000 |
| Risk-weighted assets | 20,804,000 | 24,522,000 | 27,883,000 | 19,819,000 |