Call reports 2021
CROSSROADS BANK — 2021
What CROSSROADS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 208,137,000 | 212,748,000 | 212,586,000 | 225,596,000 |
| Total loans | 133,938,000 | 136,500,000 | 136,061,000 | 135,489,000 |
| Allowance for loan losses | 1,206,000 | 1,225,000 | 1,225,000 | 1,226,000 |
| Securities available for sale | 53,538,000 | 56,647,000 | 58,979,000 | 58,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,786,000 | 175,538,000 | 174,818,000 | 187,929,000 |
| Interest-bearing deposits | 142,998,000 | 144,586,000 | 145,296,000 | 156,450,000 |
| Noninterest-bearing deposits | 29,788,000 | 30,952,000 | 29,522,000 | 31,479,000 |
| Equity capital | 28,390,000 | 29,350,000 | 30,029,000 | 29,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,927,000 | 3,790,000 | 5,451,000 | 7,137,000 |
| Interest expense | 284,000 | 548,000 | 801,000 | 1,044,000 |
| Net interest income | 1,643,000 | 3,242,000 | 4,650,000 | 6,093,000 |
| Noninterest income | 171,000 | 361,000 | 547,000 | 777,000 |
| Noninterest expense | 675,000 | 1,383,000 | 2,123,000 | 2,865,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 1,113,000 | 2,174,000 | 3,028,000 | 3,985,000 |
| Income tax | 269,000 | 528,000 | 731,000 | 937,000 |
| Net income | 844,000 | 1,646,000 | 2,297,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,703,000 | 28,365,000 | 29,016,000 | 29,186,000 |