Call reports 2018
CROSSROADS BANK — 2018
What CROSSROADS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 373,759,000 | 381,659,000 | 389,846,000 | 400,067,000 |
| Total loans | 263,092,000 | 265,370,000 | 269,982,000 | 270,330,000 |
| Allowance for loan losses | 3,528,000 | 3,717,000 | 3,793,000 | 3,865,000 |
| Securities available for sale | 79,635,000 | 78,469,000 | 78,089,000 | 76,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,125,000 | 338,469,000 | 346,544,000 | 355,426,000 |
| Interest-bearing deposits | 294,840,000 | 304,847,000 | 311,427,000 | 317,048,000 |
| Noninterest-bearing deposits | 34,285,000 | 33,622,000 | 35,117,000 | 38,378,000 |
| Equity capital | 36,939,000 | 37,539,000 | 37,649,000 | 39,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,755,000 | 7,772,000 | 11,829,000 | 15,972,000 |
| Interest expense | 478,000 | 1,069,000 | 1,765,000 | 2,552,000 |
| Net interest income | 3,277,000 | 6,703,000 | 10,064,000 | 13,420,000 |
| Noninterest income | 705,000 | 1,350,000 | 2,073,000 | 2,739,000 |
| Noninterest expense | 2,520,000 | 5,253,000 | 7,907,000 | 10,593,000 |
| Provision for loan losses | 88,000 | 26,000 | 101,000 | 157,000 |
| Pretax income | 1,374,000 | 2,774,000 | 4,147,000 | 5,427,000 |
| Income tax | 247,000 | 497,000 | 744,000 | 861,000 |
| Net income | 1,127,000 | 2,277,000 | 3,403,000 | 4,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,642,000 | 36,233,000 | 36,807,000 | 37,410,000 |
| Total capital | 39,117,000 | 39,733,000 | 40,337,000 | 40,930,000 |
| Risk-weighted assets | 276,851,000 | 278,674,000 | 281,376,000 | 280,577,000 |