Call reports 2009
CROSSROADS BANK — 2009
What CROSSROADS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 118,614,000 | 118,830,000 | 122,921,000 | 122,859,000 |
| Total loans | 84,602,000 | 85,831,000 | 93,920,000 | 93,912,000 |
| Allowance for loan losses | 578,000 | 605,000 | 636,000 | 666,000 |
| Securities available for sale | 24,730,000 | 23,401,000 | 23,012,000 | 21,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,673,000 | 101,840,000 | 101,634,000 | 102,941,000 |
| Interest-bearing deposits | 87,848,000 | 88,487,000 | 88,529,000 | 89,666,000 |
| Noninterest-bearing deposits | 12,825,000 | 13,353,000 | 13,105,000 | 13,275,000 |
| Equity capital | 14,874,000 | 14,388,000 | 14,873,000 | 15,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,968,000 | 4,549,000 | 6,151,000 |
| Interest expense | 605,000 | 1,217,000 | 1,796,000 | 2,348,000 |
| Net interest income | 839,000 | 1,751,000 | 2,753,000 | 3,803,000 |
| Noninterest income | 151,000 | 294,000 | 444,000 | 617,000 |
| Noninterest expense | 623,000 | 1,207,000 | 1,907,000 | 2,653,000 |
| Provision for loan losses | 15,000 | 59,000 | 95,000 | 125,000 |
| Pretax income | 353,000 | 780,000 | 1,196,000 | 1,613,000 |
| Income tax | 109,000 | 253,000 | 395,000 | 541,000 |
| Net income | 244,000 | 527,000 | 801,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,299,000 | 14,067,000 | 14,341,000 | 14,613,000 |
| Total capital | 14,877,000 | 14,672,000 | 14,977,000 | 15,279,000 |
| Risk-weighted assets | 92,398,000 | 91,523,000 | 98,222,000 | 98,769,000 |
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