Call reports 2016
CROSSROADS BANK — 2016
What CROSSROADS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 340,889,000 | 343,768,000 | 345,383,000 | 353,976,000 |
| Total loans | 231,365,000 | 233,867,000 | 235,471,000 | 235,002,000 |
| Allowance for loan losses | 3,483,000 | 3,558,000 | 3,439,000 | 3,449,000 |
| Securities available for sale | 78,505,000 | 77,999,000 | 75,981,000 | 77,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,621,000 | 281,504,000 | 291,941,000 | 309,858,000 |
| Interest-bearing deposits | 251,709,000 | 254,590,000 | 261,679,000 | 276,834,000 |
| Noninterest-bearing deposits | 31,912,000 | 26,914,000 | 30,262,000 | 33,024,000 |
| Equity capital | 35,321,000 | 36,560,000 | 36,505,000 | 34,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,268,000 | 6,565,000 | 9,902,000 | 13,221,000 |
| Interest expense | 354,000 | 729,000 | 1,122,000 | 1,538,000 |
| Net interest income | 2,914,000 | 5,836,000 | 8,780,000 | 11,683,000 |
| Noninterest income | 748,000 | 1,670,000 | 2,791,000 | 3,879,000 |
| Noninterest expense | 2,390,000 | 4,870,000 | 7,501,000 | 10,067,000 |
| Provision for loan losses | 80,000 | 160,000 | 353,000 | 403,000 |
| Pretax income | 1,192,000 | 2,526,000 | 3,887,000 | 5,262,000 |
| Income tax | 258,000 | 572,000 | 877,000 | 1,182,000 |
| Net income | 934,000 | 1,954,000 | 3,010,000 | 4,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,915,000 | 33,379,000 | 33,722,000 | 33,348,000 |
| Total capital | 36,046,000 | 36,562,000 | 36,939,000 | 36,508,000 |
| Risk-weighted assets | 249,861,000 | 254,018,000 | 256,688,000 | 251,807,000 |