Call reports 2015
CROSS BANK — 2015
What CROSS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 210,309,000 | 224,514,000 | 234,768,000 | 235,375,000 |
| Total loans | 168,915,000 | 184,745,000 | 190,806,000 | 171,009,000 |
| Allowance for loan losses | 2,944,000 | 3,106,000 | 3,282,000 | 3,276,000 |
| Securities available for sale | 2,576,000 | 2,390,000 | 2,326,000 | 2,218,000 |
| Securities held to maturity | 18,905,000 | 18,355,000 | 17,017,000 | 16,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,771,000 | 164,361,000 | 161,911,000 | 203,004,000 |
| Interest-bearing deposits | 133,301,000 | 132,137,000 | 130,284,000 | 165,510,000 |
| Noninterest-bearing deposits | 33,470,000 | 32,224,000 | 31,627,000 | 37,494,000 |
| Equity capital | 26,756,000 | 26,423,000 | 27,169,000 | 27,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 5,046,000 | 7,834,000 | 10,512,000 |
| Interest expense | 217,000 | 441,000 | 675,000 | 915,000 |
| Net interest income | 2,234,000 | 4,605,000 | 7,159,000 | 9,597,000 |
| Noninterest income | 308,000 | 157,000 | 560,000 | 1,219,000 |
| Noninterest expense | 1,564,000 | 3,042,000 | 4,637,000 | 6,528,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 660,000 |
| Pretax income | 798,000 | 1,360,000 | 2,551,000 | 3,637,000 |
| Income tax | 280,000 | 462,000 | 894,000 | 1,449,000 |
| Net income | 518,000 | 898,000 | 1,657,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,370,000 | 26,050,000 | 26,775,000 | 27,181,000 |
| Total capital | 28,617,000 | 28,393,000 | 29,195,000 | 29,415,000 |
| Risk-weighted assets | 179,071,000 | 186,655,000 | 192,732,000 | 177,660,000 |