Call reports 2019
CROSSROADS BANK — 2019
What CROSSROADS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 397,774,000 | 416,615,000 | 420,988,000 | 419,028,000 |
| Total loans | 273,617,000 | 284,995,000 | 294,190,000 | 296,137,000 |
| Allowance for loan losses | 3,874,000 | 3,857,000 | 3,951,000 | 4,071,000 |
| Securities available for sale | 79,833,000 | 85,275,000 | 85,316,000 | 79,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,600,000 | 368,493,000 | 366,310,000 | 364,393,000 |
| Interest-bearing deposits | 314,594,000 | 331,277,000 | 332,795,000 | 329,750,000 |
| Noninterest-bearing deposits | 37,006,000 | 37,216,000 | 33,515,000 | 34,643,000 |
| Equity capital | 40,021,000 | 41,613,000 | 42,675,000 | 43,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,224,000 | 8,601,000 | 13,177,000 | 17,612,000 |
| Interest expense | 914,000 | 1,948,000 | 2,974,000 | 3,912,000 |
| Net interest income | 3,310,000 | 6,653,000 | 10,203,000 | 13,700,000 |
| Noninterest income | 588,000 | 1,196,000 | 2,049,000 | 2,888,000 |
| Noninterest expense | 2,631,000 | 5,369,000 | 8,225,000 | 11,011,000 |
| Provision for loan losses | 50,000 | 100,000 | 175,000 | 225,000 |
| Pretax income | 1,246,000 | 2,427,000 | 3,904,000 | 5,413,000 |
| Income tax | 166,000 | 302,000 | 519,000 | 730,000 |
| Net income | 1,080,000 | 2,125,000 | 3,385,000 | 4,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,922,000 | 38,400,000 | 39,092,000 | 39,813,000 |
| Total capital | 41,487,000 | 42,102,000 | 42,887,000 | 43,635,000 |
| Risk-weighted assets | 284,907,000 | 296,020,000 | 303,498,000 | 305,582,000 |
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