Call reports 2013
CREST SAVINGS BANK — 2013
What CREST SAVINGS 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 | 393,697,000 | 392,241,000 | 423,416,000 | 391,642,000 |
| Total loans | 333,148,000 | 336,302,000 | 334,810,000 | 338,169,000 |
| Allowance for loan losses | 2,523,000 | 2,400,000 | 2,448,000 | 2,523,000 |
| Securities available for sale | 10,551,000 | 10,450,000 | 10,637,000 | 10,623,000 |
| Securities held to maturity | 12,638,000 | 15,975,000 | 12,282,000 | 11,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,762,000 | 300,488,000 | 333,644,000 | 307,063,000 |
| Interest-bearing deposits | 277,334,000 | 265,491,000 | 294,996,000 | 285,459,000 |
| Noninterest-bearing deposits | 27,428,000 | 34,997,000 | 38,648,000 | 21,604,000 |
| Equity capital | 34,033,000 | 34,196,000 | 34,548,000 | 34,741,000 |
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 | 3,841,000 | 7,681,000 | 11,506,000 | 15,308,000 |
| Interest expense | 948,000 | 1,868,000 | 2,789,000 | 3,703,000 |
| Net interest income | 2,893,000 | 5,813,000 | 8,717,000 | 11,605,000 |
| Noninterest income | 368,000 | 766,000 | 1,189,000 | 1,542,000 |
| Noninterest expense | 2,467,000 | 4,993,000 | 7,632,000 | 10,113,000 |
| Provision for loan losses | 150,000 | 235,000 | 305,000 | 412,000 |
| Pretax income | 644,000 | 1,238,000 | 1,856,000 | 2,509,000 |
| Income tax | 223,000 | 425,000 | 636,000 | 863,000 |
| Net income | 421,000 | 813,000 | 1,220,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,846,000 | 32,034,000 | 32,354,000 | 32,554,000 |
| Total capital | 34,531,000 | 34,551,000 | 35,003,000 | 35,272,000 |
| Risk-weighted assets | 250,881,000 | 249,533,000 | 242,157,000 | 245,663,000 |