Call reports 2013
CROSS COUNTY SAVINGS BANK — 2013
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 412,333,000 | 408,524,000 | 404,125,000 | 400,269,000 |
| Total loans | 231,117,000 | 240,728,000 | 250,080,000 | 259,760,000 |
| Allowance for loan losses | 1,396,000 | 1,397,000 | 1,322,000 | 1,347,000 |
| Securities available for sale | 84,429,000 | 79,885,000 | 72,823,000 | 70,447,000 |
| Securities held to maturity | 165,000 | 2,217,000 | 2,205,000 | 2,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,494,000 | 367,924,000 | 363,515,000 | 359,605,000 |
| Interest-bearing deposits | 338,842,000 | 336,799,000 | 332,219,000 | 329,308,000 |
| Noninterest-bearing deposits | 31,652,000 | 31,125,000 | 31,296,000 | 30,297,000 |
| Equity capital | 38,508,000 | 37,811,000 | 37,915,000 | 38,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,690,000 | 7,376,000 | 11,126,000 | 15,070,000 |
| Interest expense | 420,000 | 805,000 | 1,161,000 | 1,486,000 |
| Net interest income | 3,270,000 | 6,571,000 | 9,965,000 | 13,584,000 |
| Noninterest income | 282,000 | 668,000 | 1,166,000 | 1,507,000 |
| Noninterest expense | 2,710,000 | 5,338,000 | 8,037,000 | 10,861,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 842,000 | 1,909,000 | 3,127,000 | 4,238,000 |
| Income tax | 334,000 | 819,000 | 1,286,000 | 1,776,000 |
| Net income | 508,000 | 1,090,000 | 1,841,000 | 2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,266,000 | 37,657,000 | 38,572,000 | 39,153,000 |
| Total capital | 38,662,000 | 39,054,000 | 39,894,000 | 40,500,000 |
| Risk-weighted assets | 193,268,000 | 199,163,000 | 207,522,000 | 212,311,000 |
Machine access — free, no API key
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