Call reports 2013
CRESTMARK BANK — 2013
What CRESTMARK BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 444,362,000 | 470,981,000 | 472,842,000 | 499,298,000 |
| Total loans | 403,420,000 | 433,219,000 | 414,170,000 | 428,163,000 |
| Allowance for loan losses | 9,220,000 | 9,174,000 | 10,159,000 | 12,791,000 |
| Securities available for sale | 15,002,000 | 14,908,000 | 14,756,000 | 16,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,565,000 | 404,873,000 | 400,236,000 | 431,830,000 |
| Interest-bearing deposits | 382,857,000 | 404,329,000 | 399,730,000 | 431,075,000 |
| Noninterest-bearing deposits | 708,000 | 544,000 | 506,000 | 755,000 |
| Equity capital | 54,187,000 | 57,416,000 | 61,256,000 | 62,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,915,000 | 33,310,000 | 51,483,000 | 69,226,000 |
| Interest expense | 554,000 | 1,144,000 | 1,724,000 | 2,371,000 |
| Net interest income | 15,361,000 | 32,166,000 | 49,759,000 | 66,855,000 |
| Noninterest income | 655,000 | 1,435,000 | 2,145,000 | 2,856,000 |
| Noninterest expense | 9,838,000 | 19,699,000 | 29,779,000 | 41,601,000 |
| Provision for loan losses | 1,050,000 | 2,350,000 | 3,700,000 | 8,051,000 |
| Pretax income | 5,128,000 | 11,552,000 | 18,425,000 | 20,059,000 |
| Income tax | 1,448,000 | 3,199,000 | 5,025,000 | 634,000 |
| Net income | 2,657,000 | 5,986,000 | 9,496,000 | 14,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,742,000 | 54,836,000 | 59,148,000 | 59,515,000 |
| Total capital | 55,989,000 | 60,469,000 | 64,585,000 | 65,116,000 |
| Risk-weighted assets | 415,760,000 | 447,404,000 | 430,273,000 | 440,886,000 |
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