Call reports 2019
CROSS BANK — 2019
What CROSS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 246,554,000 | 260,832,000 | 273,815,000 | 269,744,000 |
| Total loans | 198,311,000 | 225,326,000 | 234,907,000 | 204,480,000 |
| Allowance for loan losses | 4,678,000 | 4,557,000 | 4,661,000 | 4,727,000 |
| Securities available for sale | 1,231,000 | 1,200,000 | 1,152,000 | 1,103,000 |
| Securities held to maturity | 8,792,000 | 9,075,000 | 9,547,000 | 9,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,465,000 | 211,265,000 | 215,324,000 | 233,787,000 |
| Interest-bearing deposits | 168,128,000 | 169,740,000 | 173,345,000 | 184,297,000 |
| Noninterest-bearing deposits | 43,337,000 | 41,525,000 | 41,979,000 | 49,490,000 |
| Equity capital | 32,273,000 | 32,079,000 | 33,102,000 | 33,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,373,000 | 6,902,000 | 10,860,000 | 14,566,000 |
| Interest expense | 466,000 | 1,022,000 | 1,727,000 | 2,436,000 |
| Net interest income | 2,907,000 | 5,880,000 | 9,133,000 | 12,130,000 |
| Noninterest income | 348,000 | 723,000 | 1,107,000 | 1,414,000 |
| Noninterest expense | 2,062,000 | 4,063,000 | 6,023,000 | 8,262,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 1,082,000 | 2,297,000 | 4,028,000 | 5,005,000 |
| Income tax | 277,000 | 588,000 | 1,056,000 | 1,272,000 |
| Net income | 805,000 | 1,709,000 | 2,972,000 | 3,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,538,000 | 31,336,000 | 32,360,000 | 33,021,000 |
| Total capital | 34,055,000 | 34,123,000 | 35,232,000 | 35,599,000 |
| Risk-weighted assets | 199,227,000 | 221,177,000 | 228,008,000 | 204,072,000 |