Call reports 2025
KRESS NATIONAL BANK — 2025
What KRESS NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 55,769,000 | 54,232,000 | 60,956,000 | 60,243,000 |
| Total loans | 16,920,000 | 18,185,000 | 19,340,000 | 15,596,000 |
| Allowance for loan losses | 358,000 | 359,000 | 361,000 | 369,000 |
| Securities available for sale | 15,737,000 | 15,646,000 | 23,168,000 | 20,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,799,000 | 48,069,000 | 54,629,000 | 53,742,000 |
| Interest-bearing deposits | 35,207,000 | 36,170,000 | 43,173,000 | 38,572,000 |
| Noninterest-bearing deposits | 14,592,000 | 11,899,000 | 11,456,000 | 15,170,000 |
| Equity capital | 5,684,000 | 5,817,000 | 6,055,000 | 6,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,429,000 | 2,166,000 | 2,921,000 |
| Interest expense | 218,000 | 475,000 | 741,000 | 1,021,000 |
| Net interest income | 466,000 | 954,000 | 1,425,000 | 1,900,000 |
| Noninterest income | 25,000 | 47,000 | 71,000 | 99,000 |
| Noninterest expense | 292,000 | 583,000 | 880,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 10,000 |
| Pretax income | 199,000 | 418,000 | 614,000 | 770,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 199,000 | 418,000 | 614,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,913,000 | 5,989,000 | 6,127,000 | 6,284,000 |
| Total capital | 6,193,000 | 6,285,000 | 6,442,000 | 6,555,000 |
| Risk-weighted assets | 22,287,000 | 23,636,000 | 25,185,000 | 21,550,000 |