Call reports 2016
CREST SAVINGS BANK — 2016
What CREST SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 428,375,000 | 435,919,000 | 457,920,000 | 443,788,000 |
| Total loans | 370,906,000 | 380,215,000 | 378,839,000 | 389,111,000 |
| Allowance for loan losses | 2,540,000 | 2,576,000 | 2,629,000 | 2,638,000 |
| Securities available for sale | 10,421,000 | 10,406,000 | 10,334,000 | 9,715,000 |
| Securities held to maturity | 12,541,000 | 11,953,000 | 11,582,000 | 10,937,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,034,000 | 346,025,000 | 370,296,000 | 354,885,000 |
| Interest-bearing deposits | 306,104,000 | 300,744,000 | 321,116,000 | 323,285,000 |
| Noninterest-bearing deposits | 32,930,000 | 45,281,000 | 49,180,000 | 31,600,000 |
| Equity capital | 34,811,000 | 35,084,000 | 35,255,000 | 36,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,955,000 | 7,939,000 | 12,074,000 | 16,252,000 |
| Interest expense | 812,000 | 1,615,000 | 2,411,000 | 3,220,000 |
| Net interest income | 3,143,000 | 6,324,000 | 9,663,000 | 13,032,000 |
| Noninterest income | 357,000 | 775,000 | 1,194,000 | 1,452,000 |
| Noninterest expense | 2,898,000 | 5,813,000 | 8,707,000 | 11,296,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 572,000 | 1,226,000 | 2,060,000 | 3,038,000 |
| Income tax | 197,000 | 393,000 | 692,000 | 1,087,000 |
| Net income | 375,000 | 833,000 | 1,368,000 | 1,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,788,000 | 35,113,000 | 35,512,000 | 35,960,000 |
| Total capital | 37,438,000 | 37,792,000 | 38,212,000 | 38,641,000 |
| Risk-weighted assets | 276,937,000 | 281,612,000 | 279,196,000 | 275,820,000 |