Call reports 2009
CROSSROADS BANK — 2009
What CROSSROADS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 113,613,000 | 113,375,000 | 115,185,000 | 116,594,000 |
| Total loans | 49,706,000 | 50,642,000 | 51,249,000 | 52,125,000 |
| Allowance for loan losses | 525,000 | 522,000 | 512,000 | 527,000 |
| Securities available for sale | 34,697,000 | 34,091,000 | 35,677,000 | 34,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,815,000 | 97,421,000 | 98,389,000 | 100,320,000 |
| Interest-bearing deposits | 81,048,000 | 81,739,000 | 81,949,000 | 83,273,000 |
| Noninterest-bearing deposits | 16,767,000 | 15,683,000 | 16,440,000 | 17,047,000 |
| Equity capital | 14,226,000 | 14,324,000 | 15,178,000 | 14,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,434,000 | 2,869,000 | 4,294,000 | 5,684,000 |
| Interest expense | 412,000 | 797,000 | 1,173,000 | 1,528,000 |
| Net interest income | 1,022,000 | 2,072,000 | 3,121,000 | 4,156,000 |
| Noninterest income | 208,000 | 425,000 | 627,000 | 837,000 |
| Noninterest expense | 662,000 | 1,383,000 | 2,129,000 | 3,062,000 |
| Provision for loan losses | 25,000 | 25,000 | 75,000 | 125,000 |
| Pretax income | 543,000 | 1,089,000 | 1,544,000 | 1,806,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 543,000 | 1,089,000 | 1,544,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,186,000 | 13,607,000 | 13,903,000 | 13,415,000 |
| Total capital | 13,731,000 | 14,150,000 | 14,435,000 | 13,962,000 |
| Risk-weighted assets | 61,226,000 | 57,769,000 | 58,608,000 | 74,777,000 |