Call reports 2018
CROSS COUNTY SAVINGS BANK — 2018
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 409,808,000 | 414,150,000 | 423,416,000 | 420,805,000 |
| Total loans | 301,765,000 | 313,804,000 | 323,195,000 | 325,961,000 |
| Allowance for loan losses | 1,276,000 | 1,276,000 | 1,275,000 | 1,287,000 |
| Securities available for sale | 29,239,000 | 25,441,000 | 24,567,000 | 24,126,000 |
| Securities held to maturity | 3,325,000 | 3,287,000 | 3,248,000 | 3,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,019,000 | 346,581,000 | 355,394,000 | 352,114,000 |
| Interest-bearing deposits | 305,585,000 | 306,902,000 | 310,676,000 | 310,726,000 |
| Noninterest-bearing deposits | 37,434,000 | 39,679,000 | 44,718,000 | 41,388,000 |
| Equity capital | 47,181,000 | 47,617,000 | 48,055,000 | 48,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,228,000 | 8,542,000 | 13,045,000 | 17,780,000 |
| Interest expense | 362,000 | 864,000 | 1,428,000 | 2,073,000 |
| Net interest income | 3,866,000 | 7,678,000 | 11,617,000 | 15,707,000 |
| Noninterest income | 240,000 | 479,000 | 709,000 | 925,000 |
| Noninterest expense | 3,370,000 | 6,694,000 | 10,050,000 | 13,672,000 |
| Provision for loan losses | 2,000 | 5,000 | 6,000 | 22,000 |
| Pretax income | 734,000 | 1,458,000 | 2,270,000 | 2,938,000 |
| Income tax | 196,000 | 388,000 | 574,000 | 728,000 |
| Net income | 538,000 | 1,070,000 | 1,696,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,559,000 | 48,090,000 | 48,231,000 | 48,846,000 |
| Total capital | 48,835,000 | 49,366,000 | 49,506,000 | 50,133,000 |
| Risk-weighted assets | 251,903,000 | 255,901,000 | 266,226,000 | 263,601,000 |