Call reports 2013
CROSS BANK — 2013
What CROSS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 188,227,000 | 178,954,000 | 212,967,000 | 196,656,000 |
| Total loans | 116,715,000 | 132,222,000 | 165,494,000 | 146,650,000 |
| Allowance for loan losses | 2,454,000 | 2,576,000 | 2,691,000 | 2,542,000 |
| Securities available for sale | 14,360,000 | 14,048,000 | 13,800,000 | 13,620,000 |
| Securities held to maturity | 13,053,000 | 11,918,000 | 11,818,000 | 11,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,810,000 | 152,242,000 | 161,016,000 | 168,274,000 |
| Interest-bearing deposits | 127,355,000 | 119,763,000 | 128,099,000 | 126,787,000 |
| Noninterest-bearing deposits | 34,455,000 | 32,479,000 | 32,917,000 | 41,487,000 |
| Equity capital | 22,260,000 | 22,277,000 | 22,691,000 | 23,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,807,000 | 3,765,000 | 6,028,000 | 8,487,000 |
| Interest expense | 246,000 | 470,000 | 672,000 | 872,000 |
| Net interest income | 1,561,000 | 3,295,000 | 5,356,000 | 7,615,000 |
| Noninterest income | 294,000 | 654,000 | 890,000 | 1,304,000 |
| Noninterest expense | 1,287,000 | 2,549,000 | 3,947,000 | 5,565,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 448,000 | 1,160,000 | 1,939,000 | 2,914,000 |
| Income tax | 130,000 | 368,000 | 629,000 | 938,000 |
| Net income | 318,000 | 792,000 | 1,310,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,349,000 | 22,823,000 | 22,952,000 | 23,270,000 |
| Total capital | 23,779,000 | 24,429,000 | 24,927,000 | 25,112,000 |
| Risk-weighted assets | 113,363,000 | 127,490,000 | 157,292,000 | 146,623,000 |