Call reports 2005
CROSS BANK — 2005
What CROSS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 157,575,000 | 173,393,000 | 180,428,000 | 179,283,000 |
| Total loans | 115,653,000 | 131,969,000 | 135,207,000 | 134,427,000 |
| Allowance for loan losses | 2,202,000 | 2,265,000 | 2,525,000 | 2,477,000 |
| Securities available for sale | 17,297,000 | 16,753,000 | 16,093,000 | 15,357,000 |
| Securities held to maturity | 16,717,000 | 16,204,000 | 16,201,000 | 16,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,818,000 | 123,575,000 | 128,644,000 | 132,751,000 |
| Interest-bearing deposits | 106,219,000 | 105,399,000 | 109,844,000 | 110,704,000 |
| Noninterest-bearing deposits | 18,599,000 | 18,176,000 | 18,800,000 | 22,047,000 |
| Equity capital | 19,126,000 | 19,010,000 | 19,606,000 | 19,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,349,000 | 4,861,000 | 7,767,000 | 10,563,000 |
| Interest expense | 637,000 | 1,371,000 | 2,315,000 | 3,289,000 |
| Net interest income | 1,712,000 | 3,490,000 | 5,452,000 | 7,274,000 |
| Noninterest income | 339,000 | 665,000 | 991,000 | 1,310,000 |
| Noninterest expense | 1,261,000 | 2,570,000 | 3,830,000 | 5,042,000 |
| Provision for loan losses | 40,000 | 120,000 | 200,000 | 200,000 |
| Pretax income | 750,000 | 1,465,000 | 2,413,000 | 3,342,000 |
| Income tax | 239,000 | 469,000 | 787,000 | 1,096,000 |
| Net income | 511,000 | 996,000 | 1,626,000 | 2,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,440,000 | 19,185,000 | 19,815,000 | 19,675,000 |
| Total capital | 20,849,000 | 20,778,000 | 21,458,000 | 21,331,000 |
| Risk-weighted assets | 111,915,000 | 126,773,000 | 130,571,000 | 131,699,000 |
Machine access — free, no API key
Every figure shown here about CROSS BANK — 2005 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.