Call reports 2016
CROSSROADS BANK — 2016
What CROSSROADS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 159,739,000 | 159,015,000 | 159,386,000 | 158,292,000 |
| Total loans | 129,370,000 | 127,300,000 | 125,334,000 | 125,481,000 |
| Allowance for loan losses | 990,000 | 1,010,000 | 1,011,000 | 1,012,000 |
| Securities available for sale | 21,669,000 | 22,383,000 | 21,258,000 | 20,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,629,000 | 131,045,000 | 129,754,000 | 132,773,000 |
| Interest-bearing deposits | 115,430,000 | 113,881,000 | 112,942,000 | 114,409,000 |
| Noninterest-bearing deposits | 15,199,000 | 17,164,000 | 16,812,000 | 18,364,000 |
| Equity capital | 20,586,000 | 20,878,000 | 21,308,000 | 20,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,865,000 | 4,324,000 | 5,732,000 |
| Interest expense | 228,000 | 479,000 | 716,000 | 954,000 |
| Net interest income | 1,229,000 | 2,386,000 | 3,608,000 | 4,778,000 |
| Noninterest income | 164,000 | 356,000 | 537,000 | 756,000 |
| Noninterest expense | 737,000 | 1,411,000 | 2,123,000 | 2,831,000 |
| Provision for loan losses | 29,000 | 49,000 | 49,000 | 49,000 |
| Pretax income | 627,000 | 1,282,000 | 1,974,000 | 2,655,000 |
| Income tax | 246,000 | 479,000 | 724,000 | 966,000 |
| Net income | 381,000 | 803,000 | 1,250,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,332,000 | 20,598,000 | 21,045,000 | 21,004,000 |
| Total capital | 21,322,000 | 21,608,000 | 22,056,000 | 22,016,000 |
| Risk-weighted assets | 135,272,000 | 135,372,000 | 133,492,000 | 131,919,000 |