Call reports 2003
CROSSROADS BANK — 2003
What CROSSROADS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,218,000 | 87,603,000 | 90,116,000 | 91,566,000 |
| Total loans | 37,306,000 | 36,356,000 | 36,760,000 | 36,897,000 |
| Allowance for loan losses | 532,000 | 529,000 | 525,000 | 511,000 |
| Securities available for sale | 29,484,000 | 28,743,000 | 35,329,000 | 34,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,508,000 | 74,576,000 | 77,149,000 | 78,955,000 |
| Interest-bearing deposits | 63,134,000 | 63,685,000 | 65,506,000 | 65,847,000 |
| Noninterest-bearing deposits | 11,374,000 | 10,891,000 | 11,643,000 | 13,108,000 |
| Equity capital | 11,753,000 | 12,023,000 | 11,914,000 | 11,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,231,000 | 3,331,000 | 4,448,000 |
| Interest expense | 342,000 | 671,000 | 973,000 | 1,256,000 |
| Net interest income | 786,000 | 1,560,000 | 2,358,000 | 3,192,000 |
| Noninterest income | 241,000 | 453,000 | 682,000 | 896,000 |
| Noninterest expense | 616,000 | 1,174,000 | 1,882,000 | 2,649,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 452,000 | 885,000 | 1,204,000 | 1,465,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 452,000 | 885,000 | 1,204,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,205,000 | 10,512,000 | 10,706,000 | 10,338,000 |
| Total capital | 10,737,000 | 11,041,000 | 11,231,000 | 10,849,000 |
| Risk-weighted assets | 44,416,000 | 43,793,000 | 44,391,000 | 44,781,000 |