Call reports 2020
KRESS NATIONAL BANK — 2020
What KRESS NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 38,725,000 | 36,005,000 | 36,194,000 | 47,655,000 |
| Total loans | 14,646,000 | 17,405,000 | 18,703,000 | 15,387,000 |
| Allowance for loan losses | 232,000 | 231,000 | 268,000 | 279,000 |
| Securities available for sale | 11,853,000 | 9,269,000 | 7,148,000 | 9,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,481,000 | 30,667,000 | 30,865,000 | 42,363,000 |
| Interest-bearing deposits | 23,347,000 | 21,769,000 | 21,746,000 | 24,310,000 |
| Noninterest-bearing deposits | 10,134,000 | 8,898,000 | 9,119,000 | 18,053,000 |
| Equity capital | 5,114,000 | 5,186,000 | 5,216,000 | 5,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 368,000 | 760,000 | 1,132,000 | 1,469,000 |
| Interest expense | 46,000 | 80,000 | 108,000 | 131,000 |
| Net interest income | 322,000 | 680,000 | 1,024,000 | 1,338,000 |
| Noninterest income | 26,000 | 50,000 | 75,000 | 106,000 |
| Noninterest expense | 303,000 | 603,000 | 867,000 | 1,174,000 |
| Provision for loan losses | -21,000 | -15,000 | 19,000 | 30,000 |
| Pretax income | 66,000 | 142,000 | 213,000 | 240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 142,000 | 213,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,940,000 | 4,972,000 | 5,007,000 | 5,034,000 |
| Total capital | 5,160,000 | 5,233,000 | 5,294,000 | 5,297,000 |
| Risk-weighted assets | 17,594,000 | 20,254,000 | 22,995,000 | 20,354,000 |