Call reports 2019
CROSSROADS BANK — 2019
What CROSSROADS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 172,159,000 | 172,197,000 | 175,642,000 | 177,625,000 |
| Total loans | 123,638,000 | 124,258,000 | 121,249,000 | 123,393,000 |
| Allowance for loan losses | 1,105,000 | 1,085,000 | 1,084,000 | 1,085,000 |
| Securities available for sale | 32,238,000 | 34,465,000 | 37,078,000 | 44,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,180,000 | 143,521,000 | 146,109,000 | 149,658,000 |
| Interest-bearing deposits | 126,145,000 | 124,897,000 | 127,118,000 | 129,022,000 |
| Noninterest-bearing deposits | 18,035,000 | 18,624,000 | 18,991,000 | 20,636,000 |
| Equity capital | 23,895,000 | 24,580,000 | 25,306,000 | 25,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,586,000 | 3,252,000 | 4,977,000 | 6,696,000 |
| Interest expense | 390,000 | 827,000 | 1,291,000 | 1,754,000 |
| Net interest income | 1,196,000 | 2,425,000 | 3,686,000 | 4,942,000 |
| Noninterest income | 167,000 | 343,000 | 522,000 | 737,000 |
| Noninterest expense | 686,000 | 1,346,000 | 2,010,000 | 2,696,000 |
| Provision for loan losses | 18,000 | -4,000 | -4,000 | -4,000 |
| Pretax income | 664,000 | 1,434,000 | 2,213,000 | 3,002,000 |
| Income tax | 166,000 | 355,000 | 539,000 | 700,000 |
| Net income | 498,000 | 1,079,000 | 1,674,000 | 2,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,891,000 | 24,302,000 | 24,897,000 | 25,053,000 |
| Total capital | 24,996,000 | 25,387,000 | 25,981,000 | 26,138,000 |
| Risk-weighted assets | 141,655,000 | 142,274,000 | 140,198,000 | 143,801,000 |