Call reports 2004
CROSS BANK — 2004
What CROSS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 163,283,000 | 161,692,000 | 168,994,000 | 163,741,000 |
| Total loans | 102,376,000 | 118,448,000 | 125,126,000 | 119,262,000 |
| Allowance for loan losses | 2,341,000 | 2,511,000 | 2,194,000 | 2,371,000 |
| Securities available for sale | 19,472,000 | 20,083,000 | 19,813,000 | 18,160,000 |
| Securities held to maturity | 19,185,000 | 16,507,000 | 16,290,000 | 17,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,354,000 | 122,295,000 | 117,837,000 | 125,198,000 |
| Interest-bearing deposits | 114,218,000 | 105,391,000 | 101,555,000 | 102,899,000 |
| Noninterest-bearing deposits | 20,136,000 | 16,904,000 | 16,282,000 | 22,299,000 |
| Equity capital | 18,287,000 | 17,828,000 | 18,859,000 | 19,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,513,000 | 7,006,000 | 9,390,000 |
| Interest expense | 575,000 | 1,096,000 | 1,660,000 | 2,259,000 |
| Net interest income | 1,623,000 | 3,417,000 | 5,346,000 | 7,131,000 |
| Noninterest income | 395,000 | 1,297,000 | 1,730,000 | 2,095,000 |
| Noninterest expense | 1,273,000 | 2,490,000 | 3,613,000 | 4,863,000 |
| Provision for loan losses | 50,000 | 125,000 | 185,000 | 365,000 |
| Pretax income | 695,000 | 2,066,000 | 3,246,000 | 3,967,000 |
| Income tax | 214,000 | 689,000 | 1,089,000 | 1,320,000 |
| Net income | 481,000 | 1,377,000 | 2,157,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,328,000 | 18,235,000 | 19,014,000 | 19,505,000 |
| Total capital | 19,614,000 | 19,676,000 | 20,515,000 | 20,955,000 |
| Risk-weighted assets | 101,811,000 | 114,225,000 | 119,410,000 | 115,075,000 |
Machine access — free, no API key
Every figure shown here about CROSS BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.