Call reports 2004
CROSSROADS BANK — 2004
What CROSSROADS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,990,000 | 89,904,000 | 92,936,000 | 96,335,000 |
| Total loans | 36,986,000 | 38,034,000 | 39,143,000 | 38,535,000 |
| Allowance for loan losses | 487,000 | 535,000 | 580,000 | 551,000 |
| Securities available for sale | 34,347,000 | 35,459,000 | 35,997,000 | 36,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,711,000 | 77,398,000 | 79,478,000 | 83,552,000 |
| Interest-bearing deposits | 67,082,000 | 65,662,000 | 67,821,000 | 70,239,000 |
| Noninterest-bearing deposits | 11,629,000 | 11,736,000 | 11,657,000 | 13,313,000 |
| Equity capital | 12,275,000 | 11,474,000 | 12,378,000 | 11,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 2,196,000 | 3,311,000 | 4,469,000 |
| Interest expense | 261,000 | 511,000 | 759,000 | 1,023,000 |
| Net interest income | 856,000 | 1,685,000 | 2,552,000 | 3,446,000 |
| Noninterest income | 267,000 | 495,000 | 724,000 | 930,000 |
| Noninterest expense | 602,000 | 1,189,000 | 1,831,000 | 2,686,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 100,000 |
| Pretax income | 528,000 | 965,000 | 1,369,000 | 1,614,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 528,000 | 965,000 | 1,369,000 | 1,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,741,000 | 11,054,000 | 11,332,000 | 10,727,000 |
| Total capital | 11,228,000 | 11,589,000 | 11,910,000 | 11,278,000 |
| Risk-weighted assets | 44,389,000 | 44,948,000 | 46,305,000 | 46,467,000 |