Call reports 2023
CROSSROADS BANK — 2023
What CROSSROADS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 216,469,000 | 211,953,000 | 206,766,000 | 214,634,000 |
| Total loans | 130,636,000 | 135,687,000 | 134,761,000 | 140,038,000 |
| Allowance for loan losses | 1,339,000 | 1,360,000 | 1,318,000 | 1,390,000 |
| Securities available for sale | 57,750,000 | 55,613,000 | 52,643,000 | 55,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,207,000 | 184,984,000 | 181,082,000 | 182,868,000 |
| Interest-bearing deposits | 157,554,000 | 153,750,000 | 150,576,000 | 152,627,000 |
| Noninterest-bearing deposits | 31,653,000 | 31,234,000 | 30,506,000 | 30,241,000 |
| Equity capital | 25,962,000 | 25,798,000 | 24,582,000 | 27,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,935,000 | 5,966,000 | 8,091,000 |
| Interest expense | 485,000 | 1,024,000 | 1,612,000 | 2,301,000 |
| Net interest income | 1,431,000 | 2,911,000 | 4,354,000 | 5,790,000 |
| Noninterest income | 177,000 | 359,000 | 536,000 | 759,000 |
| Noninterest expense | 773,000 | 1,513,000 | 2,294,000 | 3,054,000 |
| Provision for loan losses | -37,000 | -15,000 | -57,000 | 15,000 |
| Pretax income | 839,000 | 1,720,000 | 2,593,000 | 3,419,000 |
| Income tax | 169,000 | 304,000 | 479,000 | 646,000 |
| Net income | 670,000 | 1,416,000 | 2,114,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,928,000 | 32,534,000 | 33,232,000 | 33,298,000 |
| Total capital | 33,267,000 | — | — | — |
| Risk-weighted assets | 164,958,000 | — | — | — |