Call reports 2016
KRESS NATIONAL BANK — 2016
What KRESS NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 39,912,000 | 40,742,000 | 40,759,000 | 40,095,000 |
| Total loans | 17,362,000 | 21,277,000 | 23,443,000 | 18,716,000 |
| Allowance for loan losses | 322,000 | 352,000 | 394,000 | 317,000 |
| Securities available for sale | 11,824,000 | 12,042,000 | 11,199,000 | 10,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,280,000 | 33,061,000 | 28,751,000 | 35,452,000 |
| Interest-bearing deposits | 25,528,000 | 24,262,000 | 22,634,000 | 23,598,000 |
| Noninterest-bearing deposits | 9,752,000 | 8,799,000 | 6,117,000 | 11,854,000 |
| Equity capital | 4,518,000 | 4,600,000 | 4,709,000 | 4,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 365,000 | 737,000 | 1,179,000 | 1,583,000 |
| Interest expense | 18,000 | 34,000 | 59,000 | 84,000 |
| Net interest income | 347,000 | 703,000 | 1,120,000 | 1,499,000 |
| Noninterest income | 29,000 | 60,000 | 94,000 | 121,000 |
| Noninterest expense | 292,000 | 534,000 | 782,000 | 1,057,000 |
| Provision for loan losses | -19,000 | 11,000 | 53,000 | 80,000 |
| Pretax income | 103,000 | 218,000 | 379,000 | 483,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 218,000 | 379,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,449,000 | 4,495,000 | 4,590,000 | 4,692,000 |
| Total capital | 4,741,000 | 4,825,000 | 4,924,000 | 4,999,000 |
| Risk-weighted assets | 23,310,000 | 26,432,000 | 26,652,000 | 24,574,000 |