Call reports 2024
CROSSROADS BANK — 2024
What CROSSROADS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 223,195,000 | 220,539,000 | 222,233,000 | 218,856,000 |
| Total loans | 140,197,000 | 142,200,000 | 139,729,000 | 139,703,000 |
| Allowance for loan losses | 1,371,000 | 1,407,000 | 1,383,000 | 1,377,000 |
| Securities available for sale | 54,145,000 | 53,086,000 | 55,780,000 | 52,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,830,000 | 187,972,000 | 187,607,000 | 187,948,000 |
| Interest-bearing deposits | 159,940,000 | 158,074,000 | 159,897,000 | 159,627,000 |
| Noninterest-bearing deposits | 30,890,000 | 29,898,000 | 27,710,000 | 28,321,000 |
| Equity capital | 27,518,000 | 27,751,000 | 29,821,000 | 28,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,173,000 | 4,525,000 | 6,912,000 | 9,311,000 |
| Interest expense | 863,000 | 1,814,000 | 2,822,000 | 3,813,000 |
| Net interest income | 1,310,000 | 2,711,000 | 4,090,000 | 5,498,000 |
| Noninterest income | 228,000 | 423,000 | 610,000 | 839,000 |
| Noninterest expense | 803,000 | 1,627,000 | 2,480,000 | 3,357,000 |
| Provision for loan losses | -19,000 | 17,000 | -7,000 | -14,000 |
| Pretax income | 692,000 | 1,429,000 | 2,169,000 | 2,936,000 |
| Income tax | 144,000 | 366,000 | 514,000 | 705,000 |
| Net income | 548,000 | 1,063,000 | 1,655,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,845,000 | 34,220,000 | 34,812,000 | 34,784,000 |