Call reports 2025
CROSSROADS BANK — 2025
What CROSSROADS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 218,255,000 | 220,191,000 | 226,234,000 | 237,171,000 |
| Total loans | 137,142,000 | 146,832,000 | 156,247,000 | 151,481,000 |
| Allowance for loan losses | 1,394,000 | 1,481,000 | 1,576,000 | 1,544,000 |
| Securities available for sale | 52,878,000 | 52,308,000 | 52,887,000 | 53,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,358,000 | 184,428,000 | 188,540,000 | 198,836,000 |
| Interest-bearing deposits | 155,766,000 | 153,330,000 | 159,268,000 | 168,144,000 |
| Noninterest-bearing deposits | 30,592,000 | 31,098,000 | 29,272,000 | 30,692,000 |
| Equity capital | 28,982,000 | 29,336,000 | 31,123,000 | 31,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,319,000 | 4,718,000 | 7,247,000 | 9,866,000 |
| Interest expense | 880,000 | 1,722,000 | 2,613,000 | 3,553,000 |
| Net interest income | 1,439,000 | 2,996,000 | 4,634,000 | 6,313,000 |
| Noninterest income | 210,000 | 402,000 | 587,000 | 793,000 |
| Noninterest expense | 873,000 | 1,749,000 | 2,677,000 | 3,552,000 |
| Provision for loan losses | 18,000 | 106,000 | 201,000 | 170,000 |
| Pretax income | 702,000 | 1,487,000 | 2,296,000 | 3,231,000 |
| Income tax | 172,000 | 350,000 | 563,000 | 754,000 |
| Net income | 530,000 | 1,137,000 | 1,733,000 | 2,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,315,000 | 35,821,000 | 36,418,000 | 36,542,000 |