Call reports 2012
CROSS BANK — 2012
What CROSS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 180,573,000 | 178,474,000 | 188,129,000 | 184,302,000 |
| Total loans | 125,324,000 | 137,988,000 | 143,797,000 | 125,270,000 |
| Allowance for loan losses | 2,562,000 | 2,629,000 | 1,958,000 | 2,333,000 |
| Securities available for sale | 6,939,000 | 6,042,000 | 6,019,000 | 12,893,000 |
| Securities held to maturity | 13,562,000 | 14,411,000 | 13,916,000 | 13,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,251,000 | 156,034,000 | 156,249,000 | 160,099,000 |
| Interest-bearing deposits | 128,851,000 | 127,080,000 | 124,774,000 | 124,397,000 |
| Noninterest-bearing deposits | 29,400,000 | 28,954,000 | 31,475,000 | 35,702,000 |
| Equity capital | 21,180,000 | 21,375,000 | 21,937,000 | 22,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,094,000 | 6,377,000 | 8,589,000 |
| Interest expense | 346,000 | 669,000 | 955,000 | 1,227,000 |
| Net interest income | 1,706,000 | 3,425,000 | 5,422,000 | 7,362,000 |
| Noninterest income | 335,000 | 515,000 | 784,000 | 754,000 |
| Noninterest expense | 1,252,000 | 2,540,000 | 3,805,000 | 5,182,000 |
| Provision for loan losses | 150,000 | 540,000 | 690,000 | 840,000 |
| Pretax income | 641,000 | 862,000 | 1,713,000 | 2,096,000 |
| Income tax | 205,000 | 249,000 | 535,000 | 643,000 |
| Net income | 436,000 | 613,000 | 1,178,000 | 1,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,233,000 | 21,360,000 | 21,926,000 | 22,200,000 |
| Total capital | 22,842,000 | 23,080,000 | 23,706,000 | 23,788,000 |
| Risk-weighted assets | 127,765,000 | 136,667,000 | 142,239,000 | 126,315,000 |