Call reports 2024
KRESS NATIONAL BANK — 2024
What KRESS NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 53,800,000 | 49,615,000 | 48,706,000 | 48,989,000 |
| Total loans | 16,251,000 | 17,295,000 | 18,806,000 | 18,660,000 |
| Allowance for loan losses | 278,000 | 355,000 | 355,000 | 358,000 |
| Securities available for sale | 18,339,000 | 17,754,000 | 14,992,000 | 15,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,381,000 | 43,989,000 | 42,771,000 | 43,054,000 |
| Interest-bearing deposits | 31,694,000 | 29,861,000 | 31,049,000 | 30,799,000 |
| Noninterest-bearing deposits | 16,687,000 | 14,128,000 | 11,722,000 | 12,255,000 |
| Equity capital | 5,128,000 | 5,247,000 | 5,613,000 | 5,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,370,000 | 2,021,000 | 2,669,000 |
| Interest expense | 201,000 | 415,000 | 642,000 | 865,000 |
| Net interest income | 478,000 | 955,000 | 1,379,000 | 1,804,000 |
| Noninterest income | 24,000 | 47,000 | 70,000 | 86,000 |
| Noninterest expense | 281,000 | 561,000 | 865,000 | 1,215,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 5,000 |
| Pretax income | 219,000 | 439,000 | 582,000 | 670,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 219,000 | 439,000 | 582,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,693,000 | 5,771,000 | 5,852,000 | 5,939,000 |
| Total capital | 5,978,000 | 6,071,000 | 6,159,000 | 6,248,000 |
| Risk-weighted assets | 22,799,000 | 23,945,000 | 24,497,000 | 24,653,000 |
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