Call reports 2014
KRESS NATIONAL BANK — 2014
What KRESS NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 37,937,000 | 39,601,000 | 43,109,000 | 39,202,000 |
| Total loans | 14,371,000 | 18,469,000 | 20,801,000 | 16,843,000 |
| Allowance for loan losses | 209,000 | 211,000 | 235,000 | 264,000 |
| Securities available for sale | 14,764,000 | 14,413,000 | 14,038,000 | 12,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,846,000 | 31,434,000 | 31,852,000 | 34,793,000 |
| Interest-bearing deposits | 23,928,000 | 22,674,000 | 23,693,000 | 23,578,000 |
| Noninterest-bearing deposits | 9,918,000 | 8,760,000 | 8,159,000 | 11,215,000 |
| Equity capital | 4,010,000 | 4,084,000 | 4,167,000 | 4,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 650,000 | 1,075,000 | 1,494,000 |
| Interest expense | 16,000 | 31,000 | 48,000 | 69,000 |
| Net interest income | 279,000 | 619,000 | 1,027,000 | 1,425,000 |
| Noninterest income | 36,000 | 65,000 | 99,000 | 134,000 |
| Noninterest expense | 279,000 | 548,000 | 802,000 | 1,085,000 |
| Provision for loan losses | -24,000 | -22,000 | 2,000 | 31,000 |
| Pretax income | 60,000 | 158,000 | 322,000 | 443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 158,000 | 322,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,125,000 | 4,175,000 | 4,269,000 | 4,390,000 |
| Total capital | 4,334,000 | 4,420,000 | 4,515,000 | 4,660,000 |
| Risk-weighted assets | 20,396,000 | 24,278,000 | 26,145,000 | 22,108,000 |
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