Call reports 2018
CROSS BANK — 2018
What CROSS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 233,416,000 | 236,407,000 | 252,363,000 | 240,671,000 |
| Total loans | 184,307,000 | 207,113,000 | 223,641,000 | 195,987,000 |
| Allowance for loan losses | 4,309,000 | 4,454,000 | 4,481,000 | 4,575,000 |
| Securities available for sale | 1,411,000 | 1,346,000 | 1,271,000 | 1,254,000 |
| Securities held to maturity | 9,294,000 | 9,176,000 | 8,171,000 | 8,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,584,000 | 202,727,000 | 197,966,000 | 205,398,000 |
| Interest-bearing deposits | 160,675,000 | 162,255,000 | 158,444,000 | 162,418,000 |
| Noninterest-bearing deposits | 38,909,000 | 40,472,000 | 39,522,000 | 42,980,000 |
| Equity capital | 30,451,000 | 30,579,000 | 31,542,000 | 32,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,843,000 | 5,979,000 | 9,470,000 | 12,986,000 |
| Interest expense | 282,000 | 589,000 | 975,000 | 1,423,000 |
| Net interest income | 2,561,000 | 5,390,000 | 8,495,000 | 11,563,000 |
| Noninterest income | 334,000 | 666,000 | 1,020,000 | 1,235,000 |
| Noninterest expense | 1,795,000 | 3,671,000 | 5,536,000 | 7,700,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 950,000 | 2,085,000 | 3,529,000 | 4,592,000 |
| Income tax | 243,000 | 534,000 | 906,000 | 1,171,000 |
| Net income | 707,000 | 1,551,000 | 2,623,000 | 3,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,721,000 | 29,857,000 | 30,829,000 | 31,527,000 |
| Total capital | 32,133,000 | 32,431,000 | 33,566,000 | 34,001,000 |
| Risk-weighted assets | 191,095,000 | 204,063,000 | 217,238,000 | 195,808,000 |