Call reports 2019
CROSSROADS BANK — 2019
What CROSSROADS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 202,949,000 | 202,447,000 | 210,774,000 | 219,549,000 |
| Total loans | 107,925,000 | 112,951,000 | 118,519,000 | 117,615,000 |
| Allowance for loan losses | 1,362,000 | 1,424,000 | 1,505,000 | 1,484,000 |
| Securities available for sale | 63,122,000 | 66,187,000 | 63,087,000 | 70,904,000 |
| Securities held to maturity | 559,000 | 546,000 | 251,000 | 241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,913,000 | 176,466,000 | 183,569,000 | 192,766,000 |
| Interest-bearing deposits | 140,895,000 | 139,073,000 | 145,060,000 | 153,016,000 |
| Noninterest-bearing deposits | 38,018,000 | 37,393,000 | 38,509,000 | 39,750,000 |
| Equity capital | 22,724,000 | 24,589,000 | 25,779,000 | 25,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,204,000 | 4,450,000 | 6,784,000 | 9,172,000 |
| Interest expense | 271,000 | 564,000 | 884,000 | 1,239,000 |
| Net interest income | 1,933,000 | 3,886,000 | 5,900,000 | 7,933,000 |
| Noninterest income | 354,000 | 769,000 | 1,180,000 | 1,570,000 |
| Noninterest expense | 1,179,000 | 2,428,000 | 3,562,000 | 5,279,000 |
| Provision for loan losses | 40,000 | 115,000 | 205,000 | 230,000 |
| Pretax income | 1,075,000 | 2,118,000 | 3,328,000 | 4,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,075,000 | 2,118,000 | 3,328,000 | 4,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,090,000 | 23,937,000 | 24,824,000 | 24,138,000 |
| Total capital | 24,457,000 | 25,355,000 | 26,279,000 | 25,624,000 |
| Risk-weighted assets | 109,354,000 | 113,434,000 | 116,357,000 | 118,876,000 |