Call reports 2015
CROSSROADS BANK — 2015
What CROSSROADS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 334,958,000 | 336,390,000 | 332,260,000 | 332,498,000 |
| Total loans | 226,084,000 | 228,940,000 | 225,142,000 | 224,332,000 |
| Allowance for loan losses | 3,370,000 | 3,314,000 | 3,487,000 | 3,497,000 |
| Securities available for sale | 77,983,000 | 76,908,000 | 75,768,000 | 78,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,553,000 | 267,292,000 | 276,390,000 | 286,959,000 |
| Interest-bearing deposits | 248,635,000 | 235,163,000 | 244,194,000 | 252,119,000 |
| Noninterest-bearing deposits | 34,918,000 | 32,129,000 | 32,196,000 | 34,840,000 |
| Equity capital | 34,316,000 | 33,618,000 | 34,418,000 | 34,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,262,000 | 6,515,000 | 9,766,000 | 12,984,000 |
| Interest expense | 323,000 | 652,000 | 984,000 | 1,322,000 |
| Net interest income | 2,939,000 | 5,863,000 | 8,782,000 | 11,662,000 |
| Noninterest income | 748,000 | 1,536,000 | 2,587,000 | 3,507,000 |
| Noninterest expense | 2,525,000 | 5,043,000 | 7,688,000 | 10,249,000 |
| Provision for loan losses | 120,000 | 200,000 | 280,000 | 320,000 |
| Pretax income | 1,042,000 | 2,156,000 | 3,401,000 | 4,600,000 |
| Income tax | 315,000 | 613,000 | 891,000 | 1,153,000 |
| Net income | 727,000 | 1,543,000 | 2,510,000 | 3,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,017,000 | 32,149,000 | 32,533,000 | 32,592,000 |
| Total capital | 34,895,000 | 35,071,000 | 35,579,000 | 35,684,000 |
| Risk-weighted assets | 229,731,000 | 233,251,000 | 243,169,000 | 246,903,000 |