Call reports 2005
CROSSROADS BANK — 2005
What CROSSROADS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,454,000 | 93,650,000 | 93,268,000 | 94,428,000 |
| Total loans | 41,782,000 | 43,249,000 | 43,151,000 | 43,055,000 |
| Allowance for loan losses | 604,000 | 617,000 | 614,000 | 630,000 |
| Securities available for sale | 35,710,000 | 34,399,000 | 32,959,000 | 31,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,961,000 | 80,569,000 | 80,012,000 | 81,943,000 |
| Interest-bearing deposits | 69,261,000 | 67,775,000 | 66,472,000 | 66,942,000 |
| Noninterest-bearing deposits | 13,700,000 | 12,794,000 | 13,540,000 | 15,001,000 |
| Equity capital | 11,424,000 | 11,957,000 | 12,060,000 | 11,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,402,000 | 3,630,000 | 4,888,000 |
| Interest expense | 272,000 | 563,000 | 870,000 | 1,202,000 |
| Net interest income | 907,000 | 1,839,000 | 2,760,000 | 3,686,000 |
| Noninterest income | 279,000 | 516,000 | 734,000 | 958,000 |
| Noninterest expense | 611,000 | 1,216,000 | 1,844,000 | 2,714,000 |
| Provision for loan losses | 50,000 | 75,000 | 125,000 | 150,000 |
| Pretax income | 525,000 | 1,088,000 | 1,549,000 | 1,804,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 525,000 | 1,088,000 | 1,549,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,127,000 | 11,565,000 | 11,837,000 | 11,183,000 |
| Total capital | 11,731,000 | 12,176,000 | 12,447,000 | 11,795,000 |
| Risk-weighted assets | 48,362,000 | 48,881,000 | 48,782,000 | 48,934,000 |