Call reports 2014
CROSS BANK — 2014
What CROSS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 199,429,000 | 203,529,000 | 224,549,000 | 213,702,000 |
| Total loans | 142,034,000 | 159,617,000 | 175,378,000 | 166,278,000 |
| Allowance for loan losses | 2,660,000 | 2,738,000 | 2,975,000 | 2,767,000 |
| Securities available for sale | 13,802,000 | 2,747,000 | 2,675,000 | 2,652,000 |
| Securities held to maturity | 10,824,000 | 21,561,000 | 21,227,000 | 20,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,381,000 | 168,343,000 | 165,662,000 | 167,852,000 |
| Interest-bearing deposits | 132,119,000 | 133,227,000 | 129,943,000 | 131,795,000 |
| Noninterest-bearing deposits | 38,262,000 | 35,116,000 | 35,719,000 | 36,057,000 |
| Equity capital | 23,916,000 | 25,171,000 | 25,901,000 | 26,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,554,000 | 7,208,000 | 9,767,000 |
| Interest expense | 190,000 | 393,000 | 599,000 | 817,000 |
| Net interest income | 2,011,000 | 4,161,000 | 6,609,000 | 8,950,000 |
| Noninterest income | 279,000 | 1,463,000 | 1,785,000 | 2,273,000 |
| Noninterest expense | 1,449,000 | 2,933,000 | 4,376,000 | 6,127,000 |
| Provision for loan losses | 120,000 | 240,000 | 480,000 | 640,000 |
| Pretax income | 721,000 | 2,451,000 | 3,538,000 | 4,456,000 |
| Income tax | 230,000 | 860,000 | 1,236,000 | 1,511,000 |
| Net income | 491,000 | 1,591,000 | 2,302,000 | 2,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,762,000 | 24,863,000 | 25,576,000 | 26,019,000 |
| Total capital | 25,549,000 | 26,827,000 | 27,684,000 | 28,058,000 |
| Risk-weighted assets | 142,105,000 | 156,325,000 | 167,734,000 | 162,504,000 |