Call reports 2020
CROSSROADS BANK — 2020
What CROSSROADS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 425,355,000 | 463,612,000 | 468,172,000 | 469,765,000 |
| Total loans | 302,277,000 | 318,078,000 | 312,703,000 | 302,693,000 |
| Allowance for loan losses | 4,006,000 | 4,098,000 | 4,036,000 | 4,126,000 |
| Securities available for sale | 82,606,000 | 86,148,000 | 100,178,000 | 113,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,326,000 | 413,267,000 | 417,307,000 | 417,614,000 |
| Interest-bearing deposits | 342,829,000 | 366,714,000 | 365,237,000 | 364,180,000 |
| Noninterest-bearing deposits | 34,497,000 | 46,553,000 | 52,070,000 | 53,434,000 |
| Equity capital | 42,063,000 | 45,647,000 | 46,090,000 | 47,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,540,000 | 8,891,000 | 13,225,000 | 17,566,000 |
| Interest expense | 883,000 | 1,562,000 | 2,173,000 | 2,755,000 |
| Net interest income | 3,657,000 | 7,329,000 | 11,052,000 | 14,811,000 |
| Noninterest income | 603,000 | 1,755,000 | 3,483,000 | 5,123,000 |
| Noninterest expense | 2,888,000 | 5,975,000 | 9,247,000 | 12,355,000 |
| Provision for loan losses | 75,000 | 180,000 | 345,000 | 510,000 |
| Pretax income | 1,280,000 | 2,941,000 | 5,054,000 | 7,185,000 |
| Income tax | 164,000 | 421,000 | 774,000 | 1,121,000 |
| Net income | 1,116,000 | 2,520,000 | 4,280,000 | 6,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,210,000 | 41,037,000 | 41,718,000 | 42,905,000 |
| Total capital | 44,059,000 | 45,085,000 | 45,754,000 | 46,979,000 |
| Risk-weighted assets | 307,797,000 | 323,850,000 | 327,510,000 | 325,907,000 |