Call reports 2014
CROSSROADS BANK — 2014
What CROSSROADS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 333,875,000 | 336,851,000 | 340,656,000 | 343,261,000 |
| Total loans | 221,516,000 | 220,767,000 | 224,529,000 | 226,016,000 |
| Allowance for loan losses | 2,777,000 | 2,851,000 | 3,067,000 | 3,299,000 |
| Securities available for sale | 82,256,000 | 82,738,000 | 81,262,000 | 79,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,985,000 | 299,069,000 | 288,578,000 | 291,019,000 |
| Interest-bearing deposits | 264,483,000 | 265,620,000 | 254,691,000 | 255,520,000 |
| Noninterest-bearing deposits | 30,502,000 | 33,449,000 | 33,887,000 | 35,499,000 |
| Equity capital | 31,910,000 | 32,766,000 | 33,354,000 | 34,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,623,000 | 9,904,000 | 13,181,000 |
| Interest expense | 556,000 | 1,051,000 | 1,489,000 | 1,891,000 |
| Net interest income | 2,796,000 | 5,572,000 | 8,415,000 | 11,290,000 |
| Noninterest income | 598,000 | 1,205,000 | 2,023,000 | 2,861,000 |
| Noninterest expense | 2,295,000 | 4,426,000 | 6,776,000 | 9,261,000 |
| Provision for loan losses | -1,820,000 | -1,640,000 | -1,460,000 | -1,280,000 |
| Pretax income | 2,902,000 | 4,024,000 | 5,182,000 | 6,255,000 |
| Income tax | 969,000 | 1,287,000 | 1,542,000 | 1,800,000 |
| Net income | 1,933,000 | 2,737,000 | 3,640,000 | 4,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,642,000 | 31,708,000 | 31,889,000 | 32,012,000 |
| Total capital | 34,407,000 | 34,483,000 | 34,703,000 | 34,836,000 |
| Risk-weighted assets | 221,225,000 | 221,964,000 | 224,839,000 | 225,469,000 |
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