Call reports 2020
CREST SAVINGS BANK — 2020
What CREST SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 470,435,000 | 516,454,000 | 553,197,000 | 547,567,000 |
| Total loans | 419,345,000 | 437,026,000 | 433,058,000 | 416,627,000 |
| Allowance for loan losses | 3,146,000 | 3,372,000 | 3,634,000 | 3,836,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,239,000 | 5,008,000 | 4,713,000 | 4,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,173,000 | 420,958,000 | 457,744,000 | 452,375,000 |
| Interest-bearing deposits | 329,293,000 | 346,678,000 | 373,287,000 | 391,608,000 |
| Noninterest-bearing deposits | 39,880,000 | 74,280,000 | 84,457,000 | 60,767,000 |
| Equity capital | 38,693,000 | 39,094,000 | 39,558,000 | 40,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,488,000 | 8,965,000 | 13,394,000 | 17,637,000 |
| Interest expense | 1,146,000 | 2,145,000 | 3,049,000 | 3,900,000 |
| Net interest income | 3,342,000 | 6,820,000 | 10,345,000 | 13,737,000 |
| Noninterest income | 384,000 | 787,000 | 1,179,000 | 1,596,000 |
| Noninterest expense | 3,235,000 | 6,369,000 | 9,645,000 | 12,819,000 |
| Provision for loan losses | 30,000 | 255,000 | 480,000 | 680,000 |
| Pretax income | 406,000 | 942,000 | 1,358,000 | 1,793,000 |
| Income tax | 118,000 | 173,000 | 277,000 | 386,000 |
| Net income | 288,000 | 769,000 | 1,081,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,316,000 | 40,812,000 | 41,139,000 | 41,479,000 |
| Total capital | 43,468,000 | 44,190,000 | 44,779,000 | 45,329,000 |
| Risk-weighted assets | 317,420,000 | 319,920,000 | 316,847,000 | 308,028,000 |