Call reports 2013
CROSSROADS BANK — 2013
What CROSSROADS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 338,777,000 | 338,413,000 | 340,484,000 | 348,422,000 |
| Total loans | 214,324,000 | 218,593,000 | 227,879,000 | 225,027,000 |
| Allowance for loan losses | 3,739,000 | 3,132,000 | 3,091,000 | 3,424,000 |
| Securities available for sale | 81,638,000 | 84,111,000 | 80,935,000 | 81,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,762,000 | 302,404,000 | 306,493,000 | 315,235,000 |
| Interest-bearing deposits | 273,942,000 | 276,050,000 | 273,336,000 | 280,289,000 |
| Noninterest-bearing deposits | 27,820,000 | 26,354,000 | 33,157,000 | 34,946,000 |
| Equity capital | 32,286,000 | 31,163,000 | 30,682,000 | 29,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,196,000 | 6,478,000 | 9,821,000 | 13,109,000 |
| Interest expense | 864,000 | 1,684,000 | 2,426,000 | 3,099,000 |
| Net interest income | 2,332,000 | 4,794,000 | 7,395,000 | 10,010,000 |
| Noninterest income | 613,000 | 1,278,000 | 1,766,000 | 2,414,000 |
| Noninterest expense | 2,064,000 | 4,145,000 | 6,227,000 | 8,309,000 |
| Provision for loan losses | 210,000 | 420,000 | 600,000 | 780,000 |
| Pretax income | 736,000 | 1,620,000 | 2,447,000 | 3,501,000 |
| Income tax | 97,000 | 264,000 | 430,000 | 684,000 |
| Net income | 639,000 | 1,356,000 | 2,017,000 | 2,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,137,000 | 30,879,000 | 31,109,000 | 30,446,000 |
| Total capital | 32,911,000 | 33,713,000 | 33,995,000 | 33,289,000 |
| Risk-weighted assets | 220,942,000 | 226,389,000 | 230,687,000 | 226,846,000 |
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