Call reports 2007
CROSS BANK — 2007
What CROSS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 169,059,000 | 171,295,000 | 171,091,000 | 160,188,000 |
| Total loans | 126,487,000 | 126,990,000 | 128,590,000 | 117,537,000 |
| Allowance for loan losses | 2,456,000 | 2,425,000 | 2,308,000 | 2,278,000 |
| Securities available for sale | 13,853,000 | 13,430,000 | 13,327,000 | 13,303,000 |
| Securities held to maturity | 16,298,000 | 17,780,000 | 16,328,000 | 16,522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,310,000 | 144,085,000 | 131,909,000 | 134,045,000 |
| Interest-bearing deposits | 119,177,000 | 124,025,000 | 112,120,000 | 111,883,000 |
| Noninterest-bearing deposits | 20,133,000 | 20,060,000 | 19,789,000 | 22,162,000 |
| Equity capital | 19,286,000 | 19,691,000 | 20,424,000 | 20,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,009,000 | 6,156,000 | 9,277,000 | 12,197,000 |
| Interest expense | 1,243,000 | 2,452,000 | 3,668,000 | 4,777,000 |
| Net interest income | 1,766,000 | 3,704,000 | 5,609,000 | 7,420,000 |
| Noninterest income | 290,000 | 607,000 | 917,000 | 1,234,000 |
| Noninterest expense | 1,353,000 | 2,710,000 | 4,152,000 | 5,606,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 703,000 | 1,601,000 | 2,376,000 | 3,050,000 |
| Income tax | 225,000 | 514,000 | 764,000 | 966,000 |
| Net income | 478,000 | 1,087,000 | 1,612,000 | 2,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,431,000 | 20,040,000 | 20,565,000 | 21,037,000 |
| Total capital | 21,023,000 | 21,665,000 | 22,207,000 | 22,527,000 |
| Risk-weighted assets | 126,526,000 | 129,258,000 | 130,718,000 | 118,416,000 |
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