Call reports 2022
CROSS BANK — 2022
What CROSS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 377,675,000 | 377,257,000 | 376,346,000 | 380,631,000 |
| Total loans | 265,956,000 | 305,054,000 | 336,941,000 | 295,069,000 |
| Allowance for loan losses | 5,710,000 | 5,811,000 | 6,119,000 | 6,183,000 |
| Securities available for sale | 551,000 | 510,000 | 464,000 | 459,000 |
| Securities held to maturity | 7,690,000 | 12,125,000 | 12,087,000 | 32,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,361,000 | 334,318,000 | 326,940,000 | 335,214,000 |
| Interest-bearing deposits | 246,231,000 | 248,532,000 | 248,338,000 | 246,883,000 |
| Noninterest-bearing deposits | 89,130,000 | 85,786,000 | 78,602,000 | 88,331,000 |
| Equity capital | 40,544,000 | 41,670,000 | 43,078,000 | 44,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,692,000 | 7,848,000 | 12,575,000 | 17,275,000 |
| Interest expense | 338,000 | 685,000 | 1,154,000 | 1,741,000 |
| Net interest income | 3,354,000 | 7,163,000 | 11,421,000 | 15,534,000 |
| Noninterest income | 534,000 | 1,111,000 | 1,726,000 | 2,214,000 |
| Noninterest expense | 2,421,000 | 4,820,000 | 7,240,000 | 10,040,000 |
| Provision for loan losses | 120,000 | 240,000 | 560,000 | 680,000 |
| Pretax income | 1,335,000 | 3,190,000 | 5,326,000 | 7,077,000 |
| Income tax | 326,000 | 795,000 | 1,343,000 | 1,794,000 |
| Net income | 1,009,000 | 2,395,000 | 3,983,000 | 5,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,469,000 | 37,607,000 | 39,033,000 | 40,037,000 |