Call reports 2015
CREST SAVINGS BANK — 2015
What CREST SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 413,454,000 | 419,391,000 | 443,411,000 | 422,865,000 |
| Total loans | 343,680,000 | 353,403,000 | 357,763,000 | 363,043,000 |
| Allowance for loan losses | 2,417,000 | 2,437,000 | 2,472,000 | 2,503,000 |
| Securities available for sale | 10,608,000 | 10,565,000 | 10,551,000 | 10,450,000 |
| Securities held to maturity | 14,227,000 | 14,668,000 | 14,026,000 | 13,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,445,000 | 334,388,000 | 357,895,000 | 338,624,000 |
| Interest-bearing deposits | 297,506,000 | 293,217,000 | 311,717,000 | 309,681,000 |
| Noninterest-bearing deposits | 30,939,000 | 41,171,000 | 46,178,000 | 28,943,000 |
| Equity capital | 35,316,000 | 35,515,000 | 35,130,000 | 35,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,732,000 | 7,575,000 | 11,438,000 | 15,321,000 |
| Interest expense | 884,000 | 1,755,000 | 2,615,000 | 3,454,000 |
| Net interest income | 2,848,000 | 5,820,000 | 8,823,000 | 11,867,000 |
| Noninterest income | 305,000 | 669,000 | 1,099,000 | 1,483,000 |
| Noninterest expense | 2,558,000 | 5,186,000 | 7,979,000 | 10,792,000 |
| Provision for loan losses | 0 | 35,000 | 65,000 | 98,000 |
| Pretax income | 595,000 | 1,268,000 | 1,878,000 | 2,460,000 |
| Income tax | 205,000 | 439,000 | 651,000 | 851,000 |
| Net income | 390,000 | 829,000 | 1,227,000 | 1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,101,000 | 33,252,000 | 32,995,000 | 32,850,000 |
| Total capital | 35,706,000 | 35,864,000 | 35,635,000 | 35,476,000 |
| Risk-weighted assets | 245,825,000 | 253,285,000 | 262,983,000 | 266,123,000 |