Call reports 2013
KRESS NATIONAL BANK — 2013
What KRESS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,905,000 | 40,418,000 | 43,831,000 | 42,615,000 |
| Total loans | 13,931,000 | 17,616,000 | 20,858,000 | 14,798,000 |
| Allowance for loan losses | 189,000 | 225,000 | 257,000 | 233,000 |
| Securities available for sale | 15,282,000 | 16,427,000 | 16,556,000 | 15,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,651,000 | 33,916,000 | 32,290,000 | 38,529,000 |
| Interest-bearing deposits | 25,469,000 | 24,291,000 | 23,896,000 | 23,834,000 |
| Noninterest-bearing deposits | 11,182,000 | 9,625,000 | 8,394,000 | 14,695,000 |
| Equity capital | 4,157,000 | 3,913,000 | 3,949,000 | 4,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 284,000 | 624,000 | 1,035,000 | 1,408,000 |
| Interest expense | 21,000 | 42,000 | 63,000 | 82,000 |
| Net interest income | 263,000 | 582,000 | 972,000 | 1,326,000 |
| Noninterest income | 39,000 | 77,000 | 114,000 | 150,000 |
| Noninterest expense | 270,000 | 493,000 | 737,000 | 1,038,000 |
| Provision for loan losses | -24,000 | -3,000 | 28,000 | 37,000 |
| Pretax income | 56,000 | 169,000 | 321,000 | 401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 169,000 | 321,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,035,000 | 4,090,000 | 4,177,000 | 4,257,000 |
| Total capital | 4,261,000 | 4,348,000 | 4,448,000 | 4,498,000 |
| Risk-weighted assets | 19,075,000 | 22,945,000 | 26,262,000 | 20,978,000 |
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