Call reports 2011
CREST SAVINGS BANK — 2011
What CREST SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|
| Total assets | 371,683,000 | 391,938,000 | 384,428,000 |
| Total loans | 313,166,000 | 311,762,000 | 314,296,000 |
| Allowance for loan losses | 1,935,000 | 2,057,000 | 2,203,000 |
| Securities available for sale | 10,695,000 | 10,681,000 | 10,637,000 |
| Securities held to maturity | 15,804,000 | 17,452,000 | 16,630,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 297,889,000 | 312,035,000 | 304,600,000 |
| Interest-bearing deposits | 263,290,000 | 276,979,000 | 282,500,000 |
| Noninterest-bearing deposits | 34,599,000 | 35,056,000 | 22,100,000 |
| Equity capital | 29,253,000 | 32,079,000 | 32,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|
| Interest income | 8,447,000 | 12,737,000 | 16,919,000 |
| Interest expense | 2,556,000 | 3,783,000 | 4,981,000 |
| Net interest income | 5,891,000 | 8,954,000 | 11,938,000 |
| Noninterest income | 686,000 | 1,070,000 | 1,448,000 |
| Noninterest expense | 5,070,000 | 7,760,000 | 10,177,000 |
| Provision for loan losses | 250,000 | 400,000 | 600,000 |
| Pretax income | 1,257,000 | 1,864,000 | 2,609,000 |
| Income tax | 434,000 | 642,000 | 907,000 |
| Net income | 823,000 | 1,222,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|
| Tier 1 capital | 27,026,000 | 29,853,000 | 30,181,000 |
| Total capital | 29,188,000 | 32,131,000 | 32,585,000 |
| Risk-weighted assets | 232,311,000 | 231,192,000 | 233,129,000 |