Call reports 2012
CROSSROADS BANK — 2012
What CROSSROADS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 136,495,000 | 136,580,000 | 134,699,000 | 144,775,000 |
| Total loans | 103,089,000 | 103,254,000 | 107,124,000 | 105,986,000 |
| Allowance for loan losses | 870,000 | 877,000 | 911,000 | 907,000 |
| Securities available for sale | 21,688,000 | 21,627,000 | 19,837,000 | 19,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,265,000 | 117,543,000 | 115,988,000 | 125,951,000 |
| Interest-bearing deposits | 103,353,000 | 103,930,000 | 103,638,000 | 110,147,000 |
| Noninterest-bearing deposits | 13,912,000 | 13,613,000 | 12,350,000 | 15,804,000 |
| Equity capital | 17,271,000 | 17,500,000 | 17,866,000 | 17,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,385,000 | 2,771,000 | 4,158,000 | 5,531,000 |
| Interest expense | 368,000 | 720,000 | 1,056,000 | 1,397,000 |
| Net interest income | 1,017,000 | 2,051,000 | 3,102,000 | 4,134,000 |
| Noninterest income | 154,000 | 304,000 | 495,000 | 739,000 |
| Noninterest expense | 646,000 | 1,287,000 | 1,923,000 | 2,544,000 |
| Provision for loan losses | 15,000 | 25,000 | 59,000 | 55,000 |
| Pretax income | 510,000 | 1,043,000 | 1,615,000 | 2,274,000 |
| Income tax | 184,000 | 378,000 | 595,000 | 838,000 |
| Net income | 326,000 | 665,000 | 1,020,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,936,000 | 17,132,000 | 17,467,000 | 17,471,000 |
| Total capital | 17,806,000 | 18,009,000 | 18,378,000 | 18,378,000 |
| Risk-weighted assets | 110,049,000 | 109,272,000 | 112,857,000 | 112,881,000 |
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