Call reports 2010
CROSSROADS BANK — 2010
What CROSSROADS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 121,900,000 | 124,325,000 | 126,643,000 | 121,968,000 |
| Total loans | 51,939,000 | 51,075,000 | 53,507,000 | 54,205,000 |
| Allowance for loan losses | 568,000 | 602,000 | 605,000 | 626,000 |
| Securities available for sale | 34,322,000 | 35,717,000 | 36,049,000 | 35,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,366,000 | 107,484,000 | 109,190,000 | 105,763,000 |
| Interest-bearing deposits | 88,965,000 | 90,988,000 | 91,141,000 | 86,311,000 |
| Noninterest-bearing deposits | 16,401,000 | 16,496,000 | 18,049,000 | 19,451,000 |
| Equity capital | 15,000,000 | 15,262,000 | 15,862,000 | 14,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,728,000 | 4,089,000 | 5,413,000 |
| Interest expense | 340,000 | 679,000 | 997,000 | 1,276,000 |
| Net interest income | 1,035,000 | 2,049,000 | 3,092,000 | 4,137,000 |
| Noninterest income | 239,000 | 459,000 | 679,000 | 895,000 |
| Noninterest expense | 712,000 | 1,469,000 | 2,269,000 | 3,180,000 |
| Provision for loan losses | 50,000 | 100,000 | 130,000 | 165,000 |
| Pretax income | 515,000 | 942,000 | 1,375,000 | 1,690,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 515,000 | 942,000 | 1,375,000 | 1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,770,000 | 14,049,000 | 14,357,000 | 13,883,000 |
| Total capital | 14,358,000 | 14,049,000 | 14,988,000 | 14,534,000 |
| Risk-weighted assets | 59,725,000 | 58,568,000 | 65,589,000 | 61,950,000 |