Call reports 2014
CREST SAVINGS BANK — 2014
What CREST SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 414,170,000 | 415,504,000 | 432,127,000 | 409,232,000 |
| Total loans | 340,051,000 | 341,015,000 | 338,082,000 | 342,462,000 |
| Allowance for loan losses | 2,523,000 | 2,526,000 | 2,437,000 | 2,507,000 |
| Securities available for sale | 10,609,000 | 10,608,000 | 10,608,000 | 10,623,000 |
| Securities held to maturity | 11,246,000 | 10,901,000 | 15,021,000 | 15,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,465,000 | 330,183,000 | 346,561,000 | 324,049,000 |
| Interest-bearing deposits | 309,530,000 | 290,972,000 | 303,485,000 | 295,927,000 |
| Noninterest-bearing deposits | 19,935,000 | 39,211,000 | 43,076,000 | 28,122,000 |
| Equity capital | 35,006,000 | 35,192,000 | 35,581,000 | 35,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,798,000 | 7,597,000 | 11,411,000 | 15,191,000 |
| Interest expense | 889,000 | 1,781,000 | 2,687,000 | 3,590,000 |
| Net interest income | 2,909,000 | 5,816,000 | 8,724,000 | 11,601,000 |
| Noninterest income | 341,000 | 708,000 | 1,173,000 | 1,504,000 |
| Noninterest expense | 2,500,000 | 4,984,000 | 7,596,000 | 10,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 750,000 | 1,540,000 | 2,301,000 | 2,993,000 |
| Income tax | 267,000 | 550,000 | 821,000 | 1,065,000 |
| Net income | 483,000 | 990,000 | 1,480,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,705,000 | 32,953,000 | 33,304,000 | 33,309,000 |
| Total capital | 35,417,000 | 35,667,000 | 35,929,000 | 36,017,000 |
| Risk-weighted assets | 245,544,000 | 248,639,000 | 248,663,000 | 249,315,000 |