Call reports 2018
KRESS NATIONAL BANK — 2018
What KRESS NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 40,557,000 | 39,415,000 | 37,984,000 | 44,017,000 |
| Total loans | 16,698,000 | 18,808,000 | 20,831,000 | 17,768,000 |
| Allowance for loan losses | 370,000 | 376,000 | 392,000 | 290,000 |
| Securities available for sale | 10,861,000 | 10,556,000 | 9,876,000 | 9,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,945,000 | 32,764,000 | 32,258,000 | 39,166,000 |
| Interest-bearing deposits | 23,421,000 | 22,790,000 | 22,185,000 | 24,683,000 |
| Noninterest-bearing deposits | 12,524,000 | 9,974,000 | 10,073,000 | 14,483,000 |
| Equity capital | 4,524,000 | 4,542,000 | 4,617,000 | 4,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 376,000 | 764,000 | 1,189,000 | 1,607,000 |
| Interest expense | 30,000 | 63,000 | 104,000 | 140,000 |
| Net interest income | 346,000 | 701,000 | 1,085,000 | 1,467,000 |
| Noninterest income | 33,000 | 63,000 | 95,000 | 126,000 |
| Noninterest expense | 278,000 | 556,000 | 830,000 | 1,127,000 |
| Provision for loan losses | 2,000 | 8,000 | 25,000 | 54,000 |
| Pretax income | 99,000 | 200,000 | 325,000 | 412,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 200,000 | 325,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,709,000 | 4,738,000 | 4,834,000 | 4,913,000 |
| Total capital | 4,973,000 | 5,073,000 | 5,158,000 | 5,154,000 |
| Risk-weighted assets | 21,038,000 | 26,801,000 | 25,874,000 | 19,279,000 |