Call reports 2022
KRESS NATIONAL BANK — 2022
What KRESS NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 50,518,000 | 50,897,000 | 54,348,000 | 56,392,000 |
| Total loans | 14,651,000 | 15,477,000 | 13,352,000 | 12,854,000 |
| Allowance for loan losses | 212,000 | 187,000 | 195,000 | 246,000 |
| Securities available for sale | 15,475,000 | 17,315,000 | 18,569,000 | 21,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,799,000 | 46,478,000 | 50,090,000 | 52,024,000 |
| Interest-bearing deposits | 26,837,000 | 26,409,000 | 27,665,000 | 28,986,000 |
| Noninterest-bearing deposits | 18,962,000 | 20,069,000 | 22,425,000 | 23,038,000 |
| Equity capital | 4,651,000 | 4,320,000 | 4,139,000 | 4,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 287,000 | 624,000 | 1,027,000 | 1,525,000 |
| Interest expense | 10,000 | 25,000 | 54,000 | 104,000 |
| Net interest income | 277,000 | 599,000 | 973,000 | 1,421,000 |
| Noninterest income | 24,000 | 50,000 | 74,000 | 101,000 |
| Noninterest expense | 286,000 | 579,000 | 829,000 | 1,085,000 |
| Provision for loan losses | -7,000 | -32,000 | -23,000 | 27,000 |
| Pretax income | 22,000 | 102,000 | 241,000 | 410,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 102,000 | 241,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,033,000 | 5,087,000 | 5,178,000 | 5,346,000 |
| Total capital | 5,274,000 | 5,327,000 | 5,418,000 | 5,596,000 |
| Risk-weighted assets | 22,260,000 | 24,823,000 | 19,803,000 | 19,999,000 |