Call reports 2002
CROSSROADS BANK — 2002
What CROSSROADS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,310,000 | 84,992,000 | 84,242,000 | 87,168,000 |
| Total loans | 37,235,000 | 38,273,000 | 38,667,000 | 37,428,000 |
| Allowance for loan losses | 606,000 | 604,000 | 705,000 | 584,000 |
| Securities available for sale | 30,788,000 | 30,081,000 | 28,197,000 | 28,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,746,000 | 72,628,000 | 71,344,000 | 74,767,000 |
| Interest-bearing deposits | 63,003,000 | 61,914,000 | 60,720,000 | 63,188,000 |
| Noninterest-bearing deposits | 10,743,000 | 10,714,000 | 10,624,000 | 11,579,000 |
| Equity capital | 10,586,000 | 11,335,000 | 11,827,000 | 11,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,531,000 | 3,770,000 | 4,972,000 |
| Interest expense | 495,000 | 928,000 | 1,326,000 | 1,704,000 |
| Net interest income | 781,000 | 1,603,000 | 2,444,000 | 3,268,000 |
| Noninterest income | 200,000 | 380,000 | 547,000 | 716,000 |
| Noninterest expense | 587,000 | 1,150,000 | 1,761,000 | 2,688,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 394,000 | 833,000 | 1,135,000 | 1,201,000 |
| Income tax | 289,000 | 289,000 | 289,000 | 289,000 |
| Net income | 105,000 | 544,000 | 846,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,151,000 | 10,430,000 | 10,562,000 | 9,878,000 |
| Total capital | 10,700,000 | 10,990,000 | 11,119,000 | 10,433,000 |
| Risk-weighted assets | 43,861,000 | 44,727,000 | 44,391,000 | 44,362,000 |