Call reports 2021
KRESS NATIONAL BANK — 2021
What KRESS NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 48,940,000 | 44,015,000 | 41,619,000 | 47,550,000 |
| Total loans | 15,506,000 | 17,557,000 | 18,934,000 | 15,394,000 |
| Allowance for loan losses | 265,000 | 249,000 | 283,000 | 295,000 |
| Securities available for sale | 13,246,000 | 13,742,000 | 13,246,000 | 13,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,733,000 | 38,745,000 | 36,327,000 | 42,431,000 |
| Interest-bearing deposits | 26,532,000 | 25,396,000 | 24,095,000 | 23,553,000 |
| Noninterest-bearing deposits | 17,201,000 | 13,349,000 | 12,232,000 | 18,878,000 |
| Equity capital | 5,107,000 | 5,148,000 | 5,183,000 | 5,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 673,000 | 1,018,000 | 1,356,000 |
| Interest expense | 21,000 | 36,000 | 51,000 | 61,000 |
| Net interest income | 275,000 | 637,000 | 967,000 | 1,295,000 |
| Noninterest income | 28,000 | 57,000 | 83,000 | 108,000 |
| Noninterest expense | 289,000 | 604,000 | 870,000 | 1,180,000 |
| Provision for loan losses | -14,000 | -29,000 | 4,000 | 22,000 |
| Pretax income | 28,000 | 119,000 | 176,000 | 201,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 28,000 | 119,000 | 176,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,975,000 | 5,035,000 | 5,064,000 | 5,090,000 |
| Total capital | 5,277,000 | 5,332,000 | 5,373,000 | 5,364,000 |
| Risk-weighted assets | 25,305,000 | 22,512,000 | 26,626,000 | 21,795,000 |