Call reports 2018
CREST SAVINGS BANK — 2018
What CREST SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 465,884,000 | 476,974,000 | 487,677,000 | 470,400,000 |
| Total loans | 410,482,000 | 413,750,000 | 410,098,000 | 409,737,000 |
| Allowance for loan losses | 2,769,000 | 2,833,000 | 2,894,000 | 2,955,000 |
| Securities available for sale | 9,243,000 | 8,414,000 | 8,390,000 | 7,581,000 |
| Securities held to maturity | 8,304,000 | 7,968,000 | 7,662,000 | 9,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,346,000 | 369,802,000 | 390,376,000 | 373,821,000 |
| Interest-bearing deposits | 323,768,000 | 316,156,000 | 333,337,000 | 330,956,000 |
| Noninterest-bearing deposits | 40,578,000 | 53,646,000 | 57,039,000 | 42,865,000 |
| Equity capital | 38,635,000 | 39,180,000 | 39,629,000 | 39,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,396,000 | 8,853,000 | 13,484,000 | 18,118,000 |
| Interest expense | 927,000 | 1,921,000 | 3,000,000 | 4,139,000 |
| Net interest income | 3,469,000 | 6,932,000 | 10,484,000 | 13,979,000 |
| Noninterest income | 355,000 | 723,000 | 1,129,000 | 1,687,000 |
| Noninterest expense | 2,960,000 | 5,780,000 | 8,775,000 | 11,876,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 804,000 | 1,635,000 | 2,538,000 | 3,305,000 |
| Income tax | 209,000 | 459,000 | 737,000 | 983,000 |
| Net income | 595,000 | 1,176,000 | 1,801,000 | 2,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,555,000 | 37,987,000 | 38,455,000 | 38,843,000 |
| Total capital | 40,330,000 | 40,826,000 | 41,355,000 | 41,804,000 |
| Risk-weighted assets | 303,553,000 | 306,172,000 | 303,298,000 | 307,077,000 |