Call reports 2017
CROSS BANK — 2017
What CROSS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 230,748,000 | 236,375,000 | 247,569,000 | 239,002,000 |
| Total loans | 179,805,000 | 199,554,000 | 211,654,000 | 183,944,000 |
| Allowance for loan losses | 3,933,000 | 4,003,000 | 4,088,000 | 4,165,000 |
| Securities available for sale | 1,692,000 | 1,649,000 | 1,568,000 | 1,490,000 |
| Securities held to maturity | 7,620,000 | 8,600,000 | 9,133,000 | 9,589,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,765,000 | 198,675,000 | 196,406,000 | 205,443,000 |
| Interest-bearing deposits | 158,688,000 | 162,014,000 | 159,521,000 | 160,639,000 |
| Noninterest-bearing deposits | 39,077,000 | 36,661,000 | 36,885,000 | 44,804,000 |
| Equity capital | 29,114,000 | 28,971,000 | 29,575,000 | 30,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,679,000 | 5,526,000 | 8,497,000 | 11,677,000 |
| Interest expense | 264,000 | 530,000 | 824,000 | 1,142,000 |
| Net interest income | 2,415,000 | 4,996,000 | 7,673,000 | 10,535,000 |
| Noninterest income | 416,000 | 715,000 | 1,067,000 | 1,613,000 |
| Noninterest expense | 1,722,000 | 3,496,000 | 5,281,000 | 7,197,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 959,000 | 1,915,000 | 3,009,000 | 4,401,000 |
| Income tax | 359,000 | 720,000 | 1,133,000 | 1,971,000 |
| Net income | 600,000 | 1,195,000 | 1,876,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,373,000 | 28,220,000 | 28,830,000 | 29,313,000 |
| Total capital | 30,695,000 | 30,709,000 | 31,444,000 | 31,697,000 |
| Risk-weighted assets | 184,116,000 | 197,638,000 | 207,666,000 | 188,909,000 |