Call reports 2013
CROSSROADS BANK — 2013
What CROSSROADS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,954,000 | 145,356,000 | 141,321,000 | 144,624,000 |
| Total loans | 102,621,000 | 102,832,000 | 102,289,000 | 103,288,000 |
| Allowance for loan losses | 917,000 | 837,000 | 837,000 | 837,000 |
| Securities available for sale | 23,225,000 | 24,634,000 | 25,961,000 | 26,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,771,000 | 126,634,000 | 122,236,000 | 125,662,000 |
| Interest-bearing deposits | 112,474,000 | 109,793,000 | 107,470,000 | 108,506,000 |
| Noninterest-bearing deposits | 15,297,000 | 16,841,000 | 14,766,000 | 17,156,000 |
| Equity capital | 18,177,000 | 18,035,000 | 18,311,000 | 18,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,546,000 | 3,802,000 | 5,082,000 |
| Interest expense | 316,000 | 613,000 | 879,000 | 1,128,000 |
| Net interest income | 993,000 | 1,933,000 | 2,923,000 | 3,954,000 |
| Noninterest income | 179,000 | 354,000 | 542,000 | 754,000 |
| Noninterest expense | 635,000 | 1,292,000 | 1,947,000 | 2,632,000 |
| Provision for loan losses | 10,000 | -70,000 | -65,000 | -65,000 |
| Pretax income | 527,000 | 1,065,000 | 1,583,000 | 2,141,000 |
| Income tax | 166,000 | 341,000 | 529,000 | 713,000 |
| Net income | 361,000 | 724,000 | 1,054,000 | 1,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,833,000 | 18,050,000 | 18,381,000 | 18,329,000 |
| Total capital | 18,750,000 | 18,887,000 | 19,218,000 | 19,166,000 |
| Risk-weighted assets | 110,493,000 | 110,765,000 | 109,513,000 | 110,907,000 |
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