Call reports 2020
CROSSROADS BANK — 2020
What CROSSROADS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 224,023,000 | 253,106,000 | 253,244,000 | 283,982,000 |
| Total loans | 116,910,000 | 130,895,000 | 131,740,000 | 134,867,000 |
| Allowance for loan losses | 1,500,000 | 1,497,000 | 1,511,000 | 1,586,000 |
| Securities available for sale | 77,619,000 | 88,488,000 | 91,817,000 | 113,884,000 |
| Securities held to maturity | 230,000 | 219,000 | 208,000 | 197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,409,000 | 222,589,000 | 221,661,000 | 252,694,000 |
| Interest-bearing deposits | 159,987,000 | 174,120,000 | 176,026,000 | 202,516,000 |
| Noninterest-bearing deposits | 38,422,000 | 48,469,000 | 45,635,000 | 50,178,000 |
| Equity capital | 24,275,000 | 29,139,000 | 30,190,000 | 29,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,372,000 | 5,182,000 | 7,600,000 | 10,028,000 |
| Interest expense | 380,000 | 771,000 | 1,134,000 | 1,473,000 |
| Net interest income | 1,992,000 | 4,411,000 | 6,466,000 | 8,555,000 |
| Noninterest income | 390,000 | 686,000 | 1,027,000 | 1,393,000 |
| Noninterest expense | 1,152,000 | 2,408,000 | 3,562,000 | 5,377,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 150,000 |
| Pretax income | 1,208,000 | 2,667,000 | 3,884,000 | 4,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,208,000 | 2,667,000 | 3,884,000 | 4,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,050,000 | 26,374,000 | 27,139,000 | 26,202,000 |