Call reports 2015
CROSSROADS BANK — 2015
What CROSSROADS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,201,000 | 155,402,000 | 149,500,000 | 159,842,000 |
| Total loans | 116,735,000 | 120,653,000 | 118,478,000 | 127,362,000 |
| Allowance for loan losses | 902,000 | 928,000 | 948,000 | 960,000 |
| Securities available for sale | 25,339,000 | 23,777,000 | 23,603,000 | 22,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,008,000 | 131,325,000 | 127,671,000 | 128,118,000 |
| Interest-bearing deposits | 111,157,000 | 114,815,000 | 111,203,000 | 110,609,000 |
| Noninterest-bearing deposits | 17,851,000 | 16,510,000 | 16,468,000 | 17,509,000 |
| Equity capital | 19,775,000 | 19,823,000 | 20,265,000 | 20,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,660,000 | 4,058,000 | 5,453,000 |
| Interest expense | 225,000 | 464,000 | 708,000 | 951,000 |
| Net interest income | 1,100,000 | 2,196,000 | 3,350,000 | 4,502,000 |
| Noninterest income | 204,000 | 382,000 | 568,000 | 779,000 |
| Noninterest expense | 655,000 | 1,342,000 | 2,012,000 | 2,707,000 |
| Provision for loan losses | 27,000 | 62,000 | 82,000 | 92,000 |
| Pretax income | 624,000 | 1,178,000 | 1,829,000 | 2,486,000 |
| Income tax | 215,000 | 429,000 | 681,000 | 934,000 |
| Net income | 409,000 | 749,000 | 1,148,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,492,000 | 19,688,000 | 20,057,000 | 19,951,000 |
| Total capital | 20,394,000 | 20,616,000 | 21,005,000 | 20,911,000 |
| Risk-weighted assets | 120,838,000 | 124,453,000 | 125,362,000 | 132,986,000 |