Call reports 2010
CROSS BANK — 2010
What CROSS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,901,000 | 165,354,000 | 164,168,000 | 164,067,000 |
| Total loans | 119,498,000 | 124,988,000 | 127,337,000 | 114,481,000 |
| Allowance for loan losses | 3,205,000 | 3,408,000 | 2,798,000 | 1,757,000 |
| Securities available for sale | 8,532,000 | 9,779,000 | 4,039,000 | 3,905,000 |
| Securities held to maturity | 16,940,000 | 17,358,000 | 17,194,000 | 16,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,994,000 | 142,921,000 | 141,793,000 | 142,112,000 |
| Interest-bearing deposits | 124,600,000 | 119,606,000 | 117,996,000 | 116,321,000 |
| Noninterest-bearing deposits | 25,394,000 | 23,315,000 | 23,797,000 | 25,791,000 |
| Equity capital | 20,352,000 | 20,230,000 | 20,544,000 | 20,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,012,000 | 4,092,000 | 6,275,000 | 8,266,000 |
| Interest expense | 584,000 | 1,098,000 | 1,585,000 | 2,042,000 |
| Net interest income | 1,428,000 | 2,994,000 | 4,690,000 | 6,224,000 |
| Noninterest income | 260,000 | 488,000 | 758,000 | 1,075,000 |
| Noninterest expense | 1,282,000 | 2,554,000 | 3,831,000 | 5,070,000 |
| Provision for loan losses | 247,000 | 1,217,000 | 1,472,000 | 1,641,000 |
| Pretax income | 159,000 | -271,000 | 163,000 | 207,000 |
| Income tax | 12,000 | -206,000 | -111,000 | -175,000 |
| Net income | 147,000 | -65,000 | 274,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,394,000 | 20,181,000 | 20,520,000 | 20,628,000 |
| Total capital | 21,833,000 | 21,676,000 | 22,070,000 | 22,052,000 |
| Risk-weighted assets | 113,378,000 | 117,696,000 | 122,787,000 | 113,612,000 |
Machine access — free, no API key
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