Call reports 2014
CROSSROADS BANK — 2014
What CROSSROADS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 148,105,000 | 145,960,000 | 142,763,000 | 147,081,000 |
| Total loans | 100,543,000 | 100,876,000 | 101,863,000 | 111,581,000 |
| Allowance for loan losses | 837,000 | 837,000 | 837,000 | 877,000 |
| Securities available for sale | 28,687,000 | 31,758,000 | 30,679,000 | 26,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,454,000 | 126,162,000 | 122,719,000 | 122,815,000 |
| Interest-bearing deposits | 112,017,000 | 109,532,000 | 106,637,000 | 106,329,000 |
| Noninterest-bearing deposits | 16,437,000 | 16,630,000 | 16,082,000 | 16,486,000 |
| Equity capital | 18,702,000 | 18,939,000 | 19,334,000 | 19,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,465,000 | 3,736,000 | 5,052,000 |
| Interest expense | 232,000 | 467,000 | 697,000 | 922,000 |
| Net interest income | 996,000 | 1,998,000 | 3,039,000 | 4,130,000 |
| Noninterest income | 170,000 | 357,000 | 530,000 | 730,000 |
| Noninterest expense | 648,000 | 1,299,000 | 1,960,000 | 2,662,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 41,000 |
| Pretax income | 518,000 | 1,055,000 | 1,608,000 | 2,168,000 |
| Income tax | 169,000 | 362,000 | 556,000 | 781,000 |
| Net income | 349,000 | 693,000 | 1,052,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,678,000 | 18,810,000 | 19,168,000 | 19,083,000 |
| Total capital | 19,515,000 | 19,647,000 | 20,005,000 | 19,960,000 |
| Risk-weighted assets | 109,197,000 | 108,891,000 | 108,475,000 | 116,317,000 |
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