Call reports 2019
KRESS NATIONAL BANK — 2019
What KRESS NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 46,690,000 | 42,037,000 | 38,703,000 | 44,790,000 |
| Total loans | 15,034,000 | 16,427,000 | 18,119,000 | 14,102,000 |
| Allowance for loan losses | 253,000 | 188,000 | 221,000 | 254,000 |
| Securities available for sale | 9,903,000 | 9,798,000 | 11,327,000 | 11,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,795,000 | 37,022,000 | 33,564,000 | 39,643,000 |
| Interest-bearing deposits | 26,489,000 | 25,996,000 | 24,597,000 | 23,666,000 |
| Noninterest-bearing deposits | 15,306,000 | 11,026,000 | 8,967,000 | 15,977,000 |
| Equity capital | 4,747,000 | 4,902,000 | 5,020,000 | 5,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 810,000 | 1,266,000 | 1,681,000 |
| Interest expense | 45,000 | 91,000 | 140,000 | 190,000 |
| Net interest income | 365,000 | 719,000 | 1,126,000 | 1,491,000 |
| Noninterest income | 27,000 | 60,000 | 93,000 | 119,000 |
| Noninterest expense | 327,000 | 585,000 | 851,000 | 1,140,000 |
| Provision for loan losses | -37,000 | -2,000 | 30,000 | 63,000 |
| Pretax income | 102,000 | 196,000 | 338,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 196,000 | 338,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,846,000 | 4,875,000 | 4,984,000 | 5,056,000 |
| Total capital | 5,059,000 | 5,091,000 | 5,205,000 | 5,270,000 |
| Risk-weighted assets | 17,009,000 | 17,912,000 | 17,790,000 | 17,117,000 |