Call reports 2016
CROSS COUNTY SAVINGS BANK — 2016
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 383,131,000 | 382,196,000 | 381,921,000 | 381,055,000 |
| Total loans | 260,489,000 | 261,233,000 | 264,523,000 | 263,186,000 |
| Allowance for loan losses | 1,276,000 | 1,345,000 | 1,345,000 | 1,276,000 |
| Securities available for sale | 48,866,000 | 40,187,000 | 36,025,000 | 34,226,000 |
| Securities held to maturity | 1,982,000 | 1,860,000 | 1,848,000 | 1,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,865,000 | 333,045,000 | 332,265,000 | 331,372,000 |
| Interest-bearing deposits | 303,914,000 | 301,397,000 | 300,711,000 | 300,074,000 |
| Noninterest-bearing deposits | 30,951,000 | 31,648,000 | 31,554,000 | 31,298,000 |
| Equity capital | 44,635,000 | 45,354,000 | 45,732,000 | 45,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,751,000 | 7,487,000 | 11,260,000 | 15,034,000 |
| Interest expense | 261,000 | 519,000 | 777,000 | 1,031,000 |
| Net interest income | 3,490,000 | 6,968,000 | 10,483,000 | 14,003,000 |
| Noninterest income | 250,000 | 495,000 | 736,000 | 978,000 |
| Noninterest expense | 3,092,000 | 6,005,000 | 8,958,000 | 11,985,000 |
| Provision for loan losses | 0 | 0 | 0 | -69,000 |
| Pretax income | 648,000 | 1,333,000 | 2,136,000 | 2,940,000 |
| Income tax | 239,000 | 530,000 | 854,000 | 1,170,000 |
| Net income | 409,000 | 803,000 | 1,282,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,207,000 | 44,718,000 | 45,197,000 | 45,684,000 |
| Total capital | 45,483,000 | 46,063,000 | 46,542,000 | 46,960,000 |
| Risk-weighted assets | 217,885,000 | 217,424,000 | 220,065,000 | 222,108,000 |