Call reports 2015
KRESS NATIONAL BANK — 2015
What KRESS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,095,000 | 40,704,000 | 42,349,000 | 42,929,000 |
| Total loans | 16,246,000 | 21,036,000 | 24,564,000 | 18,877,000 |
| Allowance for loan losses | 237,000 | 265,000 | 314,000 | 341,000 |
| Securities available for sale | 14,541,000 | 12,579,000 | 11,602,000 | 10,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,656,000 | 31,802,000 | 32,274,000 | 38,349,000 |
| Interest-bearing deposits | 23,828,000 | 23,611,000 | 25,339,000 | 26,613,000 |
| Noninterest-bearing deposits | 9,828,000 | 8,191,000 | 6,935,000 | 11,736,000 |
| Equity capital | 4,329,000 | 4,305,000 | 4,470,000 | 4,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 332,000 | 712,000 | 1,174,000 | 1,603,000 |
| Interest expense | 17,000 | 34,000 | 54,000 | 73,000 |
| Net interest income | 315,000 | 678,000 | 1,120,000 | 1,530,000 |
| Noninterest income | 32,000 | 63,000 | 100,000 | 133,000 |
| Noninterest expense | 294,000 | 546,000 | 785,000 | 1,073,000 |
| Provision for loan losses | -27,000 | 1,000 | 62,000 | 89,000 |
| Pretax income | 80,000 | 194,000 | 373,000 | 501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 194,000 | 373,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,285,000 | 4,331,000 | 4,432,000 | 4,561,000 |
| Total capital | 4,563,000 | 4,629,000 | 4,758,000 | 4,851,000 |
| Risk-weighted assets | 23,188,000 | 26,097,000 | 28,595,000 | 23,144,000 |