Call reports 2011
CROSS BANK — 2011
What CROSS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 164,871,000 | 169,609,000 | 182,711,000 | 173,170,000 |
| Total loans | 114,401,000 | 131,928,000 | 144,261,000 | 131,925,000 |
| Allowance for loan losses | 1,852,000 | 2,053,000 | 2,237,000 | 2,406,000 |
| Securities available for sale | 5,894,000 | 6,514,000 | 5,538,000 | 5,517,000 |
| Securities held to maturity | 15,651,000 | 14,520,000 | 14,210,000 | 14,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,604,000 | 144,069,000 | 140,465,000 | 151,060,000 |
| Interest-bearing deposits | 118,833,000 | 118,854,000 | 116,748,000 | 121,277,000 |
| Noninterest-bearing deposits | 23,771,000 | 25,215,000 | 23,717,000 | 29,783,000 |
| Equity capital | 20,826,000 | 21,306,000 | 21,535,000 | 20,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,936,000 | 6,284,000 | 8,487,000 |
| Interest expense | 393,000 | 778,000 | 1,152,000 | 1,487,000 |
| Net interest income | 1,454,000 | 3,158,000 | 5,132,000 | 7,000,000 |
| Noninterest income | 258,000 | 520,000 | 797,000 | 686,000 |
| Noninterest expense | 1,178,000 | 2,380,000 | 3,634,000 | 4,985,000 |
| Provision for loan losses | 180,000 | 360,000 | 1,090,000 | 1,270,000 |
| Pretax income | 355,000 | 935,000 | 1,202,000 | 1,428,000 |
| Income tax | 92,000 | 266,000 | 319,000 | 356,000 |
| Net income | 263,000 | 669,000 | 883,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,891,000 | 21,297,000 | 21,511,000 | 20,966,000 |
| Total capital | 22,303,000 | 22,913,000 | 23,249,000 | 22,584,000 |
| Risk-weighted assets | 112,546,000 | 128,844,000 | 138,534,000 | 128,668,000 |