Call reports 2025
CROSS BANK — 2025
What CROSS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 553,354,000 | 557,443,000 | 572,172,000 | 567,622,000 |
| Total loans | 447,884,000 | 454,269,000 | 471,612,000 | 451,098,000 |
| Allowance for loan losses | 6,663,000 | 7,049,000 | 7,535,000 | 7,696,000 |
| Securities available for sale | 307,000 | 294,000 | 281,000 | 265,000 |
| Securities held to maturity | 69,921,000 | 72,160,000 | 66,443,000 | 83,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,898,000 | 487,476,000 | 508,587,000 | 479,406,000 |
| Interest-bearing deposits | 397,615,000 | 406,757,000 | 429,569,000 | 391,239,000 |
| Noninterest-bearing deposits | 88,283,000 | 80,719,000 | 79,018,000 | 88,167,000 |
| Equity capital | 53,939,000 | 55,259,000 | 57,411,000 | 58,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,208,000 | 18,297,000 | 27,989,000 | 37,515,000 |
| Interest expense | 3,048,000 | 6,269,000 | 9,701,000 | 12,929,000 |
| Net interest income | 6,160,000 | 12,028,000 | 18,288,000 | 24,586,000 |
| Noninterest income | 486,000 | 962,000 | 1,442,000 | 2,002,000 |
| Noninterest expense | 2,842,000 | 5,801,000 | 8,896,000 | 12,479,000 |
| Provision for loan losses | 141,000 | 660,000 | 1,160,000 | 1,345,000 |
| Pretax income | 3,497,000 | 6,641,000 | 9,784,000 | 12,665,000 |
| Income tax | 815,000 | 1,546,000 | 2,283,000 | 3,020,000 |
| Net income | 2,682,000 | 5,095,000 | 7,501,000 | 9,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,816,000 | 52,232,000 | 54,479,000 | 55,866,000 |