Call reports 2017
CROSSROADS BANK — 2017
What CROSSROADS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 357,628,000 | 369,715,000 | 375,380,000 | 374,401,000 |
| Total loans | 238,244,000 | 249,081,000 | 251,347,000 | 256,145,000 |
| Allowance for loan losses | 3,470,000 | 3,312,000 | 3,440,000 | 3,497,000 |
| Securities available for sale | 76,669,000 | 78,913,000 | 79,587,000 | 78,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,410,000 | 325,211,000 | 330,029,000 | 329,920,000 |
| Interest-bearing deposits | 282,078,000 | 293,442,000 | 296,892,000 | 295,829,000 |
| Noninterest-bearing deposits | 30,332,000 | 31,769,000 | 33,137,000 | 34,091,000 |
| Equity capital | 35,252,000 | 36,369,000 | 36,949,000 | 37,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,394,000 | 6,909,000 | 10,785,000 | 14,560,000 |
| Interest expense | 420,000 | 866,000 | 1,331,000 | 1,821,000 |
| Net interest income | 2,974,000 | 6,043,000 | 9,454,000 | 12,739,000 |
| Noninterest income | 680,000 | 1,250,000 | 1,907,000 | 2,612,000 |
| Noninterest expense | 2,456,000 | 4,760,000 | 7,224,000 | 9,736,000 |
| Provision for loan losses | 50,000 | 100,000 | -219,000 | -131,000 |
| Pretax income | 1,148,000 | 2,433,000 | 4,356,000 | 5,746,000 |
| Income tax | 233,000 | 482,000 | 966,000 | 1,213,000 |
| Net income | 915,000 | 1,951,000 | 3,390,000 | 4,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,548,000 | 34,020,000 | 34,687,000 | 35,271,000 |
| Total capital | 36,765,000 | 37,342,000 | 38,095,000 | 38,682,000 |
| Risk-weighted assets | 256,450,000 | 265,939,000 | 271,588,000 | 271,839,000 |