Call reports 2019
CROSS COUNTY SAVINGS BANK — 2019
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 431,402,000 | 437,232,000 | 452,303,000 | 462,681,000 |
| Total loans | 325,450,000 | 325,776,000 | 343,842,000 | 346,853,000 |
| Allowance for loan losses | 1,310,000 | 1,292,000 | 1,306,000 | 1,359,000 |
| Securities available for sale | 22,892,000 | 22,706,000 | 22,373,000 | 18,213,000 |
| Securities held to maturity | 3,169,000 | 4,293,000 | 4,154,000 | 3,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,809,000 | 366,326,000 | 380,737,000 | 390,674,000 |
| Interest-bearing deposits | 319,080,000 | 323,164,000 | 333,103,000 | 340,560,000 |
| Noninterest-bearing deposits | 42,729,000 | 43,162,000 | 47,634,000 | 50,114,000 |
| Equity capital | 49,381,000 | 50,120,000 | 50,660,000 | 51,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,747,000 | 9,542,000 | 14,373,000 | 19,360,000 |
| Interest expense | 697,000 | 1,470,000 | 2,342,000 | 3,268,000 |
| Net interest income | 4,050,000 | 8,072,000 | 12,031,000 | 16,092,000 |
| Noninterest income | 209,000 | 430,000 | 651,000 | 870,000 |
| Noninterest expense | 3,601,000 | 7,232,000 | 10,811,000 | 14,445,000 |
| Provision for loan losses | 24,000 | 8,000 | 24,000 | 78,000 |
| Pretax income | 634,000 | 1,262,000 | 1,847,000 | 2,439,000 |
| Income tax | 149,000 | 295,000 | 432,000 | 573,000 |
| Net income | 485,000 | 967,000 | 1,415,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,715,000 | 50,197,000 | 50,644,000 | 51,095,000 |
| Total capital | 51,025,000 | 51,489,000 | 51,950,000 | 52,454,000 |
| Risk-weighted assets | 265,530,000 | 263,815,000 | 280,984,000 | 280,859,000 |