Call reports 2014
CROSSROADS BANK — 2014
What CROSSROADS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 174,679,000 | 175,327,000 | 178,907,000 | 186,675,000 |
| Total loans | 66,752,000 | 68,775,000 | 71,432,000 | 71,956,000 |
| Allowance for loan losses | 829,000 | 849,000 | 893,000 | 908,000 |
| Securities available for sale | 68,785,000 | 71,632,000 | 72,475,000 | 78,654,000 |
| Securities held to maturity | 5,952,000 | 5,783,000 | 5,620,000 | 5,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,949,000 | 154,429,000 | 158,931,000 | 166,493,000 |
| Interest-bearing deposits | 121,040,000 | 117,057,000 | 118,755,000 | 124,359,000 |
| Noninterest-bearing deposits | 34,909,000 | 37,372,000 | 40,176,000 | 42,134,000 |
| Equity capital | 17,085,000 | 18,259,000 | 18,313,000 | 18,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,079,000 | 4,677,000 | 6,337,000 |
| Interest expense | 193,000 | 370,000 | 547,000 | 728,000 |
| Net interest income | 1,326,000 | 2,709,000 | 4,130,000 | 5,609,000 |
| Noninterest income | 239,000 | 500,000 | 770,000 | 1,046,000 |
| Noninterest expense | 919,000 | 1,694,000 | 2,537,000 | 3,695,000 |
| Provision for loan losses | 5,000 | 35,000 | 85,000 | 85,000 |
| Pretax income | 722,000 | 1,589,000 | 2,387,000 | 2,987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 722,000 | 1,589,000 | 2,387,000 | 2,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,677,000 | 17,373,000 | 17,362,000 | 17,192,000 |
| Total capital | 17,555,000 | 18,271,000 | 18,304,000 | 18,149,000 |
| Risk-weighted assets | 81,132,000 | 82,709,000 | 84,588,000 | 85,688,000 |