Call reports 2015
CROSSROADS BANK — 2015
What CROSSROADS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,785,000 | 187,555,000 | 187,261,000 | 188,016,000 |
| Total loans | 71,975,000 | 75,825,000 | 79,968,000 | 81,981,000 |
| Allowance for loan losses | 910,000 | 934,000 | 979,000 | 1,102,000 |
| Securities available for sale | 82,183,000 | 79,625,000 | 77,520,000 | 75,728,000 |
| Securities held to maturity | 5,354,000 | 5,213,000 | 5,077,000 | 4,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,994,000 | 163,578,000 | 165,834,000 | 166,752,000 |
| Interest-bearing deposits | 126,539,000 | 125,025,000 | 129,116,000 | 128,932,000 |
| Noninterest-bearing deposits | 42,455,000 | 38,553,000 | 36,718,000 | 37,820,000 |
| Equity capital | 19,248,000 | 19,116,000 | 19,829,000 | 19,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,665,000 | 3,329,000 | 5,034,000 | 6,798,000 |
| Interest expense | 180,000 | 360,000 | 547,000 | 729,000 |
| Net interest income | 1,485,000 | 2,969,000 | 4,487,000 | 6,069,000 |
| Noninterest income | 259,000 | 536,000 | 816,000 | 1,096,000 |
| Noninterest expense | 900,000 | 1,895,000 | 2,947,000 | 4,389,000 |
| Provision for loan losses | 0 | 50,000 | 125,000 | 275,000 |
| Pretax income | 905,000 | 1,632,000 | 2,303,000 | 2,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 905,000 | 1,632,000 | 2,303,000 | 2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 18,390,000 | 18,849,000 | 18,413,000 |
| Total capital | 18,766,000 | 19,373,000 | 19,878,000 | 19,509,000 |
| Risk-weighted assets | 77,985,000 | 83,566,000 | 84,257,000 | 87,623,000 |