Call reports 2024
CREST SAVINGS BANK — 2024
What CREST SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 564,203,000 | 574,664,000 | 579,418,000 | 556,830,000 |
| Total loans | 466,745,000 | 471,010,000 | 459,773,000 | 458,151,000 |
| Allowance for loan losses | 2,709,000 | 2,700,000 | 2,670,000 | 2,672,000 |
| Securities available for sale | 4,988,000 | 0 | 0 | 0 |
| Securities held to maturity | 64,167,000 | 61,913,000 | 59,583,000 | 57,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,913,000 | 463,628,000 | 497,057,000 | 476,739,000 |
| Interest-bearing deposits | 392,717,000 | 384,153,000 | 420,119,000 | 418,244,000 |
| Noninterest-bearing deposits | 60,196,000 | 79,475,000 | 76,938,000 | 58,495,000 |
| Equity capital | 46,927,000 | 46,575,000 | 47,109,000 | 47,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,649,000 | 11,395,000 | 17,370,000 | 23,354,000 |
| Interest expense | 2,491,000 | 5,093,000 | 7,443,000 | 9,868,000 |
| Net interest income | 3,158,000 | 6,302,000 | 9,927,000 | 13,486,000 |
| Noninterest income | 490,000 | 1,059,000 | 1,852,000 | 2,500,000 |
| Noninterest expense | 3,641,000 | 7,245,000 | 11,005,000 | 14,777,000 |
| Provision for loan losses | -649,000 | -659,000 | -685,000 | -685,000 |
| Pretax income | 675,000 | 784,000 | 1,483,000 | 1,909,000 |
| Income tax | 178,000 | 207,000 | 372,000 | 460,000 |
| Net income | 497,000 | 577,000 | 1,111,000 | 1,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,891,000 | 46,546,000 | 47,094,000 | 47,447,000 |
| Total capital | 49,680,000 | 49,336,000 | 49,838,000 | 50,202,000 |
| Risk-weighted assets | 363,754,000 | 369,995,000 | 364,841,000 | 363,797,000 |