Call reports 2008
CROSSROADS BANK — 2008
What CROSSROADS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 98,827,000 | 98,418,000 | 99,497,000 | 112,251,000 |
| Total loans | 47,690,000 | 47,294,000 | 48,648,000 | 49,614,000 |
| Allowance for loan losses | 475,000 | 473,000 | 475,000 | 508,000 |
| Securities available for sale | 23,513,000 | 30,314,000 | 32,009,000 | 35,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,400,000 | 84,242,000 | 84,382,000 | 96,743,000 |
| Interest-bearing deposits | 68,078,000 | 68,616,000 | 68,438,000 | 80,020,000 |
| Noninterest-bearing deposits | 16,322,000 | 15,626,000 | 15,945,000 | 16,723,000 |
| Equity capital | 12,952,000 | 12,650,000 | 13,533,000 | 13,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,776,000 | 4,183,000 | 5,675,000 |
| Interest expense | 515,000 | 986,000 | 1,439,000 | 1,894,000 |
| Net interest income | 878,000 | 1,790,000 | 2,744,000 | 3,781,000 |
| Noninterest income | 248,000 | 473,000 | 696,000 | 899,000 |
| Noninterest expense | 706,000 | 1,388,000 | 2,042,000 | 2,950,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 75,000 |
| Pretax income | 437,000 | 917,000 | 1,414,000 | 1,696,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 917,000 | 1,414,000 | 1,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,492,000 | 12,848,000 | 13,219,000 | 12,792,000 |
| Total capital | 12,982,000 | 13,336,000 | 13,709,000 | 13,315,000 |
| Risk-weighted assets | 53,175,000 | 52,949,000 | 53,168,000 | 56,319,000 |