Call reports 2020
CROSSROADS BANK — 2020
What CROSSROADS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 187,608,000 | 202,797,000 | 202,799,000 | 202,834,000 |
| Total loans | 128,927,000 | 130,808,000 | 128,130,000 | 133,834,000 |
| Allowance for loan losses | 1,095,000 | 1,115,000 | 1,145,000 | 1,175,000 |
| Securities available for sale | 45,500,000 | 52,702,000 | 61,402,000 | 57,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,061,000 | 165,699,000 | 164,767,000 | 163,592,000 |
| Interest-bearing deposits | 130,464,000 | 139,949,000 | 138,433,000 | 138,487,000 |
| Noninterest-bearing deposits | 21,597,000 | 25,750,000 | 26,334,000 | 25,105,000 |
| Equity capital | 26,281,000 | 27,154,000 | 28,114,000 | 28,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,700,000 | 3,339,000 | 5,365,000 | 6,930,000 |
| Interest expense | 428,000 | 831,000 | 1,214,000 | 1,566,000 |
| Net interest income | 1,272,000 | 2,508,000 | 4,151,000 | 5,364,000 |
| Noninterest income | 174,000 | 320,000 | 486,000 | 703,000 |
| Noninterest expense | 698,000 | 1,365,000 | 2,026,000 | 2,677,000 |
| Provision for loan losses | 11,000 | 31,000 | 61,000 | 91,000 |
| Pretax income | 736,000 | 1,448,000 | 2,593,000 | 3,346,000 |
| Income tax | 158,000 | 320,000 | 568,000 | 769,000 |
| Net income | 578,000 | 1,128,000 | 2,025,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,599,000 | 25,990,000 | 26,886,000 | 26,859,000 |