Call reports 2021
CROSSROADS BANK — 2021
What CROSSROADS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 482,906,000 | 488,695,000 | 502,371,000 | 524,027,000 |
| Total loans | 295,924,000 | 292,426,000 | 307,662,000 | 315,068,000 |
| Allowance for loan losses | 4,296,000 | 4,169,000 | 4,204,000 | 4,252,000 |
| Securities available for sale | 116,138,000 | 116,335,000 | 116,501,000 | 114,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,971,000 | 435,174,000 | 448,642,000 | 469,780,000 |
| Interest-bearing deposits | 370,758,000 | 380,437,000 | 384,782,000 | 413,302,000 |
| Noninterest-bearing deposits | 60,213,000 | 54,737,000 | 63,860,000 | 56,478,000 |
| Equity capital | 46,992,000 | 48,614,000 | 48,952,000 | 49,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,147,000 | 8,179,000 | 12,389,000 | 16,535,000 |
| Interest expense | 459,000 | 854,000 | 1,221,000 | 1,568,000 |
| Net interest income | 3,688,000 | 7,325,000 | 11,168,000 | 14,967,000 |
| Noninterest income | 1,689,000 | 2,761,000 | 3,790,000 | 4,667,000 |
| Noninterest expense | 3,500,000 | 6,771,000 | 9,832,000 | 12,912,000 |
| Provision for loan losses | 165,000 | 15,000 | 65,000 | 145,000 |
| Pretax income | 1,724,000 | 3,313,000 | 5,081,000 | 6,604,000 |
| Income tax | 233,000 | 442,000 | 746,000 | 897,000 |
| Net income | 1,491,000 | 2,871,000 | 4,335,000 | 5,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,797,000 | 44,580,000 | 45,214,000 | 45,990,000 |
| Total capital | 47,820,000 | 48,552,000 | 49,418,000 | 50,242,000 |
| Risk-weighted assets | 321,612,000 | 317,578,000 | 338,855,000 | 345,139,000 |