Call reports 2017
CROSS COUNTY SAVINGS BANK — 2017
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 385,756,000 | 389,691,000 | 392,376,000 | 391,528,000 |
| Total loans | 266,152,000 | 276,321,000 | 291,210,000 | 292,917,000 |
| Allowance for loan losses | 1,276,000 | 1,276,000 | 1,276,000 | 1,263,000 |
| Securities available for sale | 33,156,000 | 33,355,000 | 32,411,000 | 30,419,000 |
| Securities held to maturity | 3,535,000 | 3,491,000 | 3,447,000 | 3,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,893,000 | 338,884,000 | 340,805,000 | 340,180,000 |
| Interest-bearing deposits | 304,926,000 | 305,628,000 | 304,019,000 | 302,365,000 |
| Noninterest-bearing deposits | 30,967,000 | 33,256,000 | 36,786,000 | 37,815,000 |
| Equity capital | 46,149,000 | 46,657,000 | 47,221,000 | 46,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,728,000 | 7,513,000 | 11,573,000 | 15,693,000 |
| Interest expense | 251,000 | 517,000 | 791,000 | 1,110,000 |
| Net interest income | 3,477,000 | 6,996,000 | 10,782,000 | 14,583,000 |
| Noninterest income | 289,000 | 546,000 | 807,000 | 1,055,000 |
| Noninterest expense | 3,059,000 | 6,117,000 | 9,260,000 | 12,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 707,000 | 1,425,000 | 2,329,000 | 3,047,000 |
| Income tax | 280,000 | 563,000 | 900,000 | 1,712,000 |
| Net income | 427,000 | 862,000 | 1,429,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,110,000 | 46,546,000 | 47,113,000 | 47,020,000 |
| Total capital | 47,386,000 | 47,822,000 | 48,389,000 | 48,283,000 |
| Risk-weighted assets | 225,751,000 | 232,614,000 | 242,575,000 | 244,216,000 |