Call reports 2021
CREST SAVINGS BANK — 2021
What CREST SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 574,710,000 | 594,278,000 | 632,057,000 | 604,382,000 |
| Total loans | 420,532,000 | 413,401,000 | 406,721,000 | 409,272,000 |
| Allowance for loan losses | 3,824,000 | 3,827,000 | 3,828,000 | 3,571,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,215,000 | 20,056,000 | 34,441,000 | 48,085,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,314,000 | 504,796,000 | 541,822,000 | 524,870,000 |
| Interest-bearing deposits | 408,252,000 | 402,665,000 | 434,909,000 | 445,505,000 |
| Noninterest-bearing deposits | 74,062,000 | 102,131,000 | 106,913,000 | 79,365,000 |
| Equity capital | 40,860,000 | 41,241,000 | 41,884,000 | 42,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,234,000 | 8,380,000 | 12,726,000 | 16,931,000 |
| Interest expense | 766,000 | 1,471,000 | 2,157,000 | 3,005,000 |
| Net interest income | 3,468,000 | 6,909,000 | 10,569,000 | 13,926,000 |
| Noninterest income | 456,000 | 884,000 | 1,310,000 | 1,759,000 |
| Noninterest expense | 3,370,000 | 6,704,000 | 10,019,000 | 12,956,000 |
| Provision for loan losses | 0 | -1,000 | -1,000 | -260,000 |
| Pretax income | 554,000 | 1,090,000 | 1,861,000 | 2,989,000 |
| Income tax | 146,000 | 294,000 | 505,000 | 1,080,000 |
| Net income | 408,000 | 796,000 | 1,356,000 | 1,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,827,000 | 42,155,000 | 42,654,000 | 43,147,000 |
| Total capital | 45,632,000 | 45,973,000 | 46,513,000 | 46,753,000 |
| Risk-weighted assets | 304,350,000 | 305,414,000 | 310,771,000 | 317,463,000 |