Call reports 2025
CREST SAVINGS BANK — 2025
What CREST SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 552,164,000 | 568,108,000 | 620,226,000 | 588,900,000 |
| Total loans | 457,834,000 | 458,297,000 | 447,226,000 | 445,376,000 |
| Allowance for loan losses | 2,474,000 | 2,563,000 | 2,810,000 | 2,871,000 |
| Securities available for sale | 0 | 0 | 498,000 | 2,415,000 |
| Securities held to maturity | 55,502,000 | 52,384,000 | 50,131,000 | 48,054,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,302,000 | 494,894,000 | 546,049,000 | 514,497,000 |
| Interest-bearing deposits | 412,034,000 | 410,235,000 | 456,874,000 | 448,700,000 |
| Noninterest-bearing deposits | 61,268,000 | 84,659,000 | 89,175,000 | 65,797,000 |
| Equity capital | 47,970,000 | 48,421,000 | 49,043,000 | 49,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,825,000 | 11,664,000 | 18,146,000 | 24,736,000 |
| Interest expense | 2,230,000 | 4,357,000 | 6,643,000 | 9,039,000 |
| Net interest income | 3,595,000 | 7,307,000 | 11,503,000 | 15,697,000 |
| Noninterest income | 585,000 | 1,217,000 | 1,924,000 | 2,588,000 |
| Noninterest expense | 3,709,000 | 7,376,000 | 11,252,000 | 14,984,000 |
| Provision for loan losses | -199,000 | -111,000 | 134,000 | 195,000 |
| Pretax income | 687,000 | 1,272,000 | 2,044,000 | 3,105,000 |
| Income tax | 164,000 | 298,000 | 446,000 | 713,000 |
| Net income | 523,000 | 974,000 | 1,598,000 | 2,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,970,000 | 48,421,000 | 49,045,000 | 49,839,000 |
| Total capital | 50,510,000 | 51,054,000 | 51,935,000 | 52,794,000 |
| Risk-weighted assets | 365,946,000 | 365,104,000 | 353,091,000 | 351,068,000 |