Call reports 2012
CROSSROADS BANK — 2012
What CROSSROADS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 332,368,000 | 329,231,000 | 330,382,000 | 331,352,000 |
| Total loans | 213,371,000 | 209,791,000 | 219,888,000 | 217,434,000 |
| Allowance for loan losses | 3,270,000 | 3,520,000 | 3,616,000 | 3,764,000 |
| Securities available for sale | 76,926,000 | 82,237,000 | 83,957,000 | 75,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,157,000 | 284,109,000 | 284,308,000 | 289,332,000 |
| Interest-bearing deposits | 259,009,000 | 262,610,000 | 259,008,000 | 260,946,000 |
| Noninterest-bearing deposits | 26,148,000 | 21,499,000 | 25,300,000 | 28,386,000 |
| Equity capital | 32,461,000 | 30,802,000 | 31,471,000 | 32,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,458,000 | 6,747,000 | 10,182,000 | 13,540,000 |
| Interest expense | 1,072,000 | 2,140,000 | 3,173,000 | 4,175,000 |
| Net interest income | 2,386,000 | 4,607,000 | 7,009,000 | 9,365,000 |
| Noninterest income | 677,000 | 1,250,000 | 1,798,000 | 2,619,000 |
| Noninterest expense | 2,011,000 | 3,958,000 | 5,978,000 | 8,021,000 |
| Provision for loan losses | 300,000 | 4,200,000 | 4,410,000 | 4,620,000 |
| Pretax income | 750,000 | -2,152,000 | -1,440,000 | -409,000 |
| Income tax | 5,000 | -1,066,000 | -916,000 | -747,000 |
| Net income | 745,000 | -1,086,000 | -524,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,162,000 | 28,976,000 | 29,557,000 | 29,865,000 |
| Total capital | 33,979,000 | 31,771,000 | 32,378,000 | 32,648,000 |
| Risk-weighted assets | 226,319,000 | 222,872,000 | 224,854,000 | 221,641,000 |