Call reports 2012
CREST SAVINGS BANK — 2012
What CREST SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 386,611,000 | 386,135,000 | 400,935,000 | 381,963,000 |
| Total loans | 324,756,000 | 331,433,000 | 330,146,000 | 329,996,000 |
| Allowance for loan losses | 2,283,000 | 2,368,000 | 2,406,000 | 2,464,000 |
| Securities available for sale | 10,637,000 | 10,637,000 | 10,637,000 | 10,580,000 |
| Securities held to maturity | 15,944,000 | 15,354,000 | 14,423,000 | 13,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,370,000 | 304,913,000 | 320,504,000 | 295,851,000 |
| Interest-bearing deposits | 281,015,000 | 281,486,000 | 281,788,000 | 273,773,000 |
| Noninterest-bearing deposits | 28,355,000 | 23,427,000 | 38,716,000 | 22,078,000 |
| Equity capital | 32,731,000 | 33,073,000 | 33,463,000 | 33,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,206,000 | 8,378,000 | 12,508,000 | 16,543,000 |
| Interest expense | 1,154,000 | 2,246,000 | 3,302,000 | 4,290,000 |
| Net interest income | 3,052,000 | 6,132,000 | 9,206,000 | 12,253,000 |
| Noninterest income | 331,000 | 716,000 | 1,122,000 | 1,487,000 |
| Noninterest expense | 2,478,000 | 5,027,000 | 7,613,000 | 9,968,000 |
| Provision for loan losses | 120,000 | 240,000 | 270,000 | 480,000 |
| Pretax income | 785,000 | 1,581,000 | 2,445,000 | 3,292,000 |
| Income tax | 283,000 | 569,000 | 883,000 | 1,191,000 |
| Net income | 502,000 | 1,012,000 | 1,562,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,519,000 | 30,874,000 | 31,259,000 | 31,606,000 |
| Total capital | 33,003,000 | 33,443,000 | 33,866,000 | 34,246,000 |
| Risk-weighted assets | 243,049,000 | 248,076,000 | 244,679,000 | 245,838,000 |