Call reports 2006
CROSSROADS BANK — 2006
What CROSSROADS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,581,000 | 93,143,000 | 93,677,000 | 94,508,000 |
| Total loans | 43,452,000 | 43,583,000 | 44,559,000 | 46,118,000 |
| Allowance for loan losses | 622,000 | 641,000 | 565,000 | 547,000 |
| Securities available for sale | 32,549,000 | 33,369,000 | 32,645,000 | 32,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,895,000 | 80,410,000 | 80,141,000 | 81,338,000 |
| Interest-bearing deposits | 67,594,000 | 65,517,000 | 64,851,000 | 65,627,000 |
| Noninterest-bearing deposits | 15,301,000 | 14,893,000 | 15,290,000 | 15,710,000 |
| Equity capital | 11,554,000 | 11,526,000 | 12,235,000 | 11,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,636,000 | 3,974,000 | 5,376,000 |
| Interest expense | 346,000 | 743,000 | 1,152,000 | 1,590,000 |
| Net interest income | 964,000 | 1,893,000 | 2,822,000 | 3,786,000 |
| Noninterest income | 252,000 | 503,000 | 720,000 | 932,000 |
| Noninterest expense | 614,000 | 1,284,000 | 1,911,000 | 2,829,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 602,000 | 1,087,000 | 1,606,000 | 1,864,000 |
| Income tax | -98,000 | -98,000 | -98,000 | -98,000 |
| Net income | 700,000 | 1,185,000 | 1,704,000 | 1,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,712,000 | 12,072,000 | 12,467,000 | 11,807,000 |
| Total capital | 12,334,000 | 12,685,000 | 13,032,000 | 12,370,000 |
| Risk-weighted assets | 49,414,000 | 49,029,000 | 49,826,000 | 51,695,000 |