Call reports 2007
CROSSROADS BANK — 2007
What CROSSROADS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,130,000 | 91,268,000 | 93,477,000 | 94,677,000 |
| Total loans | 45,498,000 | 46,980,000 | 47,808,000 | 48,618,000 |
| Allowance for loan losses | 543,000 | 516,000 | 484,000 | 477,000 |
| Securities available for sale | 30,974,000 | 30,721,000 | 27,723,000 | 25,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,626,000 | 77,665,000 | 79,121,000 | 80,658,000 |
| Interest-bearing deposits | 65,215,000 | 62,783,000 | 63,302,000 | 65,853,000 |
| Noninterest-bearing deposits | 15,411,000 | 14,882,000 | 15,819,000 | 14,805,000 |
| Equity capital | 12,177,000 | 12,198,000 | 12,885,000 | 12,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,372,000 | 2,723,000 | 4,098,000 | 5,518,000 |
| Interest expense | 439,000 | 890,000 | 1,372,000 | 1,891,000 |
| Net interest income | 933,000 | 1,833,000 | 2,726,000 | 3,627,000 |
| Noninterest income | 257,000 | 483,000 | 702,000 | 927,000 |
| Noninterest expense | 623,000 | 1,300,000 | 1,936,000 | 2,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 567,000 | 1,016,000 | 1,492,000 | 1,733,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 567,000 | 1,016,000 | 1,492,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,164,000 | 12,536,000 | 12,889,000 | 12,180,000 |
| Total capital | 12,723,000 | 13,067,000 | 13,388,000 | 12,672,000 |
| Risk-weighted assets | 50,760,000 | 51,768,000 | 52,702,000 | 53,413,000 |