Call reports 2013
CROSSROADS BANK — 2013
What CROSSROADS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 155,434,000 | 153,882,000 | 157,641,000 | 165,495,000 |
| Total loans | 64,993,000 | 65,284,000 | 67,100,000 | 67,528,000 |
| Allowance for loan losses | 844,000 | 840,000 | 864,000 | 866,000 |
| Securities available for sale | 47,142,000 | 47,646,000 | 51,144,000 | 56,015,000 |
| Securities held to maturity | 8,193,000 | 7,858,000 | 6,816,000 | 6,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,360,000 | 135,359,000 | 139,152,000 | 147,221,000 |
| Interest-bearing deposits | 105,868,000 | 105,589,000 | 106,184,000 | 110,591,000 |
| Noninterest-bearing deposits | 30,492,000 | 29,770,000 | 32,968,000 | 36,630,000 |
| Equity capital | 17,486,000 | 16,844,000 | 16,762,000 | 16,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,890,000 | 4,357,000 | 5,884,000 |
| Interest expense | 203,000 | 398,000 | 595,000 | 787,000 |
| Net interest income | 1,251,000 | 2,492,000 | 3,762,000 | 5,097,000 |
| Noninterest income | 230,000 | 488,000 | 716,000 | 949,000 |
| Noninterest expense | 856,000 | 1,725,000 | 2,630,000 | 3,730,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 642,000 | 1,271,000 | 1,889,000 | 2,357,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 642,000 | 1,271,000 | 1,889,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,722,000 | 16,171,000 | 16,618,000 | 16,197,000 |
| Total capital | 16,598,000 | 17,056,000 | 17,516,000 | 17,098,000 |
| Risk-weighted assets | 74,454,000 | 75,758,000 | 76,868,000 | 78,203,000 |