Call reports 2019
CREST SAVINGS BANK — 2019
What CREST SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 474,037,000 | 471,185,000 | 485,923,000 | 462,399,000 |
| Total loans | 410,052,000 | 411,856,000 | 409,102,000 | 416,227,000 |
| Allowance for loan losses | 3,018,000 | 3,080,000 | 3,094,000 | 3,114,000 |
| Securities available for sale | 7,547,000 | 7,256,000 | 7,278,000 | 0 |
| Securities held to maturity | 9,415,000 | 9,108,000 | 8,904,000 | 5,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,494,000 | 377,308,000 | 395,330,000 | 367,141,000 |
| Interest-bearing deposits | 335,553,000 | 320,848,000 | 334,369,000 | 326,972,000 |
| Noninterest-bearing deposits | 44,941,000 | 56,460,000 | 60,961,000 | 40,169,000 |
| Equity capital | 39,343,000 | 39,017,000 | 39,070,000 | 39,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,589,000 | 9,168,000 | 13,815,000 | 18,388,000 |
| Interest expense | 1,175,000 | 2,404,000 | 3,605,000 | 4,790,000 |
| Net interest income | 3,414,000 | 6,764,000 | 10,210,000 | 13,598,000 |
| Noninterest income | 518,000 | 954,000 | 1,411,000 | 1,748,000 |
| Noninterest expense | 3,276,000 | 6,471,000 | 9,775,000 | 12,761,000 |
| Provision for loan losses | 60,000 | 120,000 | 135,000 | 150,000 |
| Pretax income | 596,000 | 1,077,000 | 1,661,000 | 2,342,000 |
| Income tax | 157,000 | 294,000 | 447,000 | 644,000 |
| Net income | 439,000 | 783,000 | 1,214,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,124,000 | 39,355,000 | 39,664,000 | 40,089,000 |
| Total capital | 42,148,000 | 42,441,000 | 42,764,000 | 43,209,000 |
| Risk-weighted assets | 307,539,000 | 311,552,000 | 309,613,000 | 315,504,000 |