Call reports 2008
CROSS BANK — 2008
What CROSS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 167,931,000 | 177,141,000 | 188,943,000 | 175,467,000 |
| Total loans | 126,510,000 | 137,685,000 | 149,936,000 | 135,800,000 |
| Allowance for loan losses | 2,308,000 | 2,355,000 | 2,467,000 | 2,549,000 |
| Securities available for sale | 12,170,000 | 13,281,000 | 13,278,000 | 13,442,000 |
| Securities held to maturity | 15,548,000 | 13,565,000 | 13,811,000 | 13,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,940,000 | 139,352,000 | 132,207,000 | 136,993,000 |
| Interest-bearing deposits | 113,479,000 | 116,238,000 | 112,016,000 | 114,308,000 |
| Noninterest-bearing deposits | 21,461,000 | 23,114,000 | 20,191,000 | 22,685,000 |
| Equity capital | 21,024,000 | 20,929,000 | 21,444,000 | 21,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,642,000 | 5,270,000 | 8,180,000 | 10,813,000 |
| Interest expense | 925,000 | 1,799,000 | 2,743,000 | 3,607,000 |
| Net interest income | 1,717,000 | 3,471,000 | 5,437,000 | 7,206,000 |
| Noninterest income | 305,000 | 598,000 | 924,000 | 1,269,000 |
| Noninterest expense | 1,398,000 | 2,834,000 | 4,242,000 | 5,702,000 |
| Provision for loan losses | 30,000 | 90,000 | 165,000 | 270,000 |
| Pretax income | 594,000 | 1,149,000 | 1,958,000 | 2,507,000 |
| Income tax | 182,000 | 334,000 | 605,000 | 777,000 |
| Net income | 412,000 | 815,000 | 1,353,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,989,000 | 21,102,000 | 21,533,000 | 21,170,000 |
| Total capital | 22,601,000 | 22,830,000 | 23,371,000 | 22,832,000 |
| Risk-weighted assets | 128,244,000 | 137,648,000 | 146,406,000 | 132,056,000 |
Machine access — free, no API key
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