Call reports 2023
CROSSROADS BANK — 2023
What CROSSROADS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 543,210,000 | 543,624,000 | 541,923,000 | 554,645,000 |
| Total loans | 387,843,000 | 395,477,000 | 401,128,000 | 410,506,000 |
| Allowance for loan losses | 4,777,000 | 4,853,000 | 5,293,000 | 5,383,000 |
| Securities available for sale | 112,344,000 | 110,063,000 | 105,913,000 | 109,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,184,000 | 496,787,000 | 493,766,000 | 503,893,000 |
| Interest-bearing deposits | 437,873,000 | 438,285,000 | 431,740,000 | 446,865,000 |
| Noninterest-bearing deposits | 60,311,000 | 58,502,000 | 62,026,000 | 57,028,000 |
| Equity capital | 41,993,000 | 41,431,000 | 38,564,000 | 43,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,530,000 | 11,453,000 | 17,477,000 | 23,787,000 |
| Interest expense | 1,531,000 | 3,627,000 | 5,984,000 | 8,624,000 |
| Net interest income | 3,999,000 | 7,826,000 | 11,493,000 | 15,163,000 |
| Noninterest income | 738,000 | 1,562,000 | 2,323,000 | 3,131,000 |
| Noninterest expense | 3,327,000 | 6,509,000 | 9,847,000 | 13,188,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 235,000 |
| Pretax income | 1,339,000 | 2,740,000 | 3,833,000 | 4,984,000 |
| Income tax | 95,000 | 157,000 | 267,000 | 347,000 |
| Net income | 1,244,000 | 2,583,000 | 3,566,000 | 4,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,306,000 | 51,045,000 | 50,922,000 | 51,387,000 |
| Total capital | 55,075,000 | 55,876,000 | 55,807,000 | 56,307,000 |
| Risk-weighted assets | 381,525,000 | 386,460,000 | 390,215,000 | 393,098,000 |
Machine access — free, no API key
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