Call reports 2015
CROSS COUNTY SAVINGS BANK — 2015
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 390,471,000 | 384,990,000 | 385,905,000 | 385,470,000 |
| Total loans | 258,677,000 | 265,892,000 | 265,177,000 | 261,037,000 |
| Allowance for loan losses | 1,276,000 | 1,276,000 | 1,276,000 | 1,276,000 |
| Securities available for sale | 56,800,000 | 55,383,000 | 54,670,000 | 53,468,000 |
| Securities held to maturity | 2,130,000 | 2,019,000 | 2,007,000 | 1,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,190,000 | 339,118,000 | 338,772,000 | 337,526,000 |
| Interest-bearing deposits | 315,474,000 | 311,271,000 | 308,867,000 | 306,467,000 |
| Noninterest-bearing deposits | 28,716,000 | 27,847,000 | 29,905,000 | 31,059,000 |
| Equity capital | 42,902,000 | 42,779,000 | 43,575,000 | 44,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,775,000 | 7,564,000 | 11,367,000 | 15,241,000 |
| Interest expense | 282,000 | 557,000 | 830,000 | 1,096,000 |
| Net interest income | 3,493,000 | 7,007,000 | 10,537,000 | 14,145,000 |
| Noninterest income | 244,000 | 513,000 | 772,000 | 1,022,000 |
| Noninterest expense | 2,919,000 | 5,920,000 | 8,886,000 | 11,913,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 818,000 | 1,600,000 | 2,423,000 | 3,254,000 |
| Income tax | 317,000 | 633,000 | 933,000 | 1,221,000 |
| Net income | 501,000 | 967,000 | 1,490,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,328,000 | 42,744,000 | 43,264,000 | 43,789,000 |
| Total capital | 43,604,000 | 44,020,000 | 44,540,000 | 45,065,000 |
| Risk-weighted assets | 202,484,000 | 214,132,000 | 216,293,000 | 215,888,000 |