Call reports 2021
CROSS BANK — 2021
What CROSS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 305,985,000 | 310,709,000 | 328,833,000 | 327,841,000 |
| Total loans | 249,517,000 | 273,496,000 | 293,271,000 | 254,309,000 |
| Allowance for loan losses | 5,293,000 | 5,410,000 | 5,508,000 | 5,613,000 |
| Securities available for sale | 795,000 | 736,000 | 669,000 | 616,000 |
| Securities held to maturity | 6,715,000 | 6,049,000 | 6,541,000 | 7,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,661,000 | 271,882,000 | 277,497,000 | 286,514,000 |
| Interest-bearing deposits | 207,590,000 | 212,465,000 | 218,612,000 | 222,717,000 |
| Noninterest-bearing deposits | 60,071,000 | 59,417,000 | 58,885,000 | 63,797,000 |
| Equity capital | 36,361,000 | 37,395,000 | 38,986,000 | 39,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,446,000 | 7,320,000 | 11,692,000 | 15,577,000 |
| Interest expense | 409,000 | 776,000 | 1,132,000 | 1,478,000 |
| Net interest income | 3,037,000 | 6,544,000 | 10,560,000 | 14,099,000 |
| Noninterest income | 465,000 | 826,000 | 1,233,000 | 1,751,000 |
| Noninterest expense | 1,977,000 | 4,054,000 | 6,077,000 | 8,560,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,506,000 | 3,176,000 | 5,465,000 | 6,936,000 |
| Income tax | 380,000 | 811,000 | 1,401,000 | 1,784,000 |
| Net income | 1,126,000 | 2,365,000 | 4,064,000 | 5,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,601,000 | 36,641,000 | 38,237,000 | 39,224,000 |