Call reports 2016
CROSSROADS BANK — 2016
What CROSSROADS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 189,377,000 | 188,099,000 | 187,354,000 | 187,204,000 |
| Total loans | 85,435,000 | 87,071,000 | 90,800,000 | 93,122,000 |
| Allowance for loan losses | 1,108,000 | 1,079,000 | 1,117,000 | 1,158,000 |
| Securities available for sale | 72,734,000 | 73,225,000 | 69,244,000 | 66,969,000 |
| Securities held to maturity | 4,862,000 | 4,769,000 | 4,574,000 | 4,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,493,000 | 165,098,000 | 163,950,000 | 166,166,000 |
| Interest-bearing deposits | 130,524,000 | 129,431,000 | 129,377,000 | 129,549,000 |
| Noninterest-bearing deposits | 36,969,000 | 35,667,000 | 34,573,000 | 36,617,000 |
| Equity capital | 20,432,000 | 21,517,000 | 21,858,000 | 19,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,778,000 | 3,573,000 | 5,403,000 | 7,253,000 |
| Interest expense | 180,000 | 361,000 | 545,000 | 732,000 |
| Net interest income | 1,598,000 | 3,212,000 | 4,858,000 | 6,521,000 |
| Noninterest income | 292,000 | 599,000 | 885,000 | 1,161,000 |
| Noninterest expense | 1,082,000 | 2,168,000 | 3,237,000 | 4,661,000 |
| Provision for loan losses | 0 | 0 | 60,000 | 170,000 |
| Pretax income | 828,000 | 1,663,000 | 2,484,000 | 2,889,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 828,000 | 1,663,000 | 2,484,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,986,000 | 19,636,000 | 20,203,000 | 19,682,000 |
| Total capital | 20,109,000 | 20,764,000 | 21,374,000 | 20,884,000 |
| Risk-weighted assets | 89,856,000 | 91,537,000 | 93,845,000 | 98,094,000 |