Call reports 2023
CREST SAVINGS BANK — 2023
What CREST SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 583,128,000 | 580,143,000 | 589,185,000 | 573,086,000 |
| Total loans | 443,423,000 | 463,488,000 | 466,321,000 | 467,475,000 |
| Allowance for loan losses | 3,005,000 | 3,217,000 | 3,332,000 | 3,357,000 |
| Securities available for sale | 24,584,000 | 14,599,000 | 14,695,000 | 9,824,000 |
| Securities held to maturity | 73,245,000 | 70,732,000 | 68,390,000 | 66,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,919,000 | 475,904,000 | 497,280,000 | 468,377,000 |
| Interest-bearing deposits | 410,201,000 | 393,707,000 | 412,635,000 | 410,234,000 |
| Noninterest-bearing deposits | 68,718,000 | 82,197,000 | 84,645,000 | 58,143,000 |
| Equity capital | 47,142,000 | 47,411,000 | 47,838,000 | 47,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,226,000 | 10,617,000 | 16,244,000 | 21,998,000 |
| Interest expense | 1,150,000 | 2,776,000 | 4,572,000 | 6,854,000 |
| Net interest income | 4,076,000 | 7,841,000 | 11,672,000 | 15,144,000 |
| Noninterest income | 471,000 | 1,022,000 | 1,536,000 | 2,135,000 |
| Noninterest expense | 3,542,000 | 7,077,000 | 10,591,000 | 14,200,000 |
| Provision for loan losses | 105,000 | 316,000 | 431,000 | 455,000 |
| Pretax income | 903,000 | 1,473,000 | 2,157,000 | 2,618,000 |
| Income tax | 215,000 | 338,000 | 490,000 | 695,000 |
| Net income | 688,000 | 1,135,000 | 1,667,000 | 1,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,160,000 | 47,472,000 | 47,868,000 | 47,159,000 |
| Total capital | 50,268,000 | 50,792,000 | 51,336,000 | 50,629,000 |
| Risk-weighted assets | 348,294,000 | 358,272,000 | 358,947,000 | 359,303,000 |