Call reports 2012
CROSSROADS BANK — 2012
What CROSSROADS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 143,165,000 | 142,069,000 | 146,870,000 | 149,883,000 |
| Total loans | 58,715,000 | 61,113,000 | 64,780,000 | 63,933,000 |
| Allowance for loan losses | 759,000 | 782,000 | 830,000 | 814,000 |
| Securities available for sale | 42,213,000 | 40,081,000 | 37,157,000 | 38,991,000 |
| Securities held to maturity | 9,474,000 | 9,352,000 | 9,366,000 | 9,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,724,000 | 122,830,000 | 127,152,000 | 130,939,000 |
| Interest-bearing deposits | 97,582,000 | 97,110,000 | 100,953,000 | 100,814,000 |
| Noninterest-bearing deposits | 27,142,000 | 25,720,000 | 26,199,000 | 30,125,000 |
| Equity capital | 16,877,000 | 17,630,000 | 18,091,000 | 17,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,861,000 | 4,312,000 | 5,760,000 |
| Interest expense | 234,000 | 462,000 | 683,000 | 895,000 |
| Net interest income | 1,194,000 | 2,399,000 | 3,629,000 | 4,865,000 |
| Noninterest income | 226,000 | 439,000 | 664,000 | 895,000 |
| Noninterest expense | 860,000 | 1,590,000 | 2,403,000 | 3,430,000 |
| Provision for loan losses | 30,000 | 55,000 | 117,000 | 117,000 |
| Pretax income | 529,000 | 1,193,000 | 1,772,000 | 2,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 529,000 | 1,193,000 | 1,772,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,985,000 | 15,522,000 | 15,890,000 | 15,260,000 |
| Total capital | 15,806,000 | 16,356,000 | 16,766,000 | 16,120,000 |
| Risk-weighted assets | 69,291,000 | 70,463,000 | 73,748,000 | 72,695,000 |