Call reports 2023
KRESS NATIONAL BANK — 2023
What KRESS NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 55,098,000 | 52,885,000 | 53,575,000 | 56,680,000 |
| Total loans | 13,837,000 | 16,726,000 | 17,241,000 | 15,727,000 |
| Allowance for loan losses | 246,000 | 246,000 | 259,000 | 276,000 |
| Securities available for sale | 22,904,000 | 19,796,000 | 20,465,000 | 20,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,545,000 | 48,220,000 | 48,739,000 | 51,323,000 |
| Interest-bearing deposits | 29,990,000 | 29,033,000 | 29,984,000 | 30,602,000 |
| Noninterest-bearing deposits | 20,555,000 | 19,187,000 | 18,755,000 | 20,721,000 |
| Equity capital | 4,441,000 | 4,498,000 | 4,617,000 | 5,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,150,000 | 1,767,000 | 2,434,000 |
| Interest expense | 83,000 | 192,000 | 339,000 | 530,000 |
| Net interest income | 462,000 | 958,000 | 1,428,000 | 1,904,000 |
| Noninterest income | 23,000 | 49,000 | 71,000 | 95,000 |
| Noninterest expense | 278,000 | 564,000 | 847,000 | 1,166,000 |
| Provision for loan losses | 2,000 | 22,000 | 35,000 | 52,000 |
| Pretax income | 205,000 | 421,000 | 617,000 | 781,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 421,000 | 617,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,355,000 | 5,430,000 | 5,556,000 | 5,720,000 |
| Total capital | 5,610,000 | 5,715,000 | 5,854,000 | 6,003,000 |
| Risk-weighted assets | 20,441,000 | 23,426,000 | 23,858,000 | 22,664,000 |
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