Call reports 2021
CROSS COUNTY SAVINGS BANK — 2021
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 546,297,000 | 559,003,000 | 571,145,000 | 577,410,000 |
| Total loans | 394,086,000 | 401,078,000 | 393,450,000 | 393,408,000 |
| Allowance for loan losses | 1,177,000 | 1,213,000 | 1,240,000 | 1,240,000 |
| Securities available for sale | 9,877,000 | 15,017,000 | 14,497,000 | 13,925,000 |
| Securities held to maturity | 3,037,000 | 2,657,000 | 2,420,000 | 6,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,609,000 | 492,762,000 | 504,233,000 | 510,007,000 |
| Interest-bearing deposits | 417,656,000 | 425,051,000 | 431,322,000 | 434,843,000 |
| Noninterest-bearing deposits | 62,953,000 | 67,711,000 | 72,911,000 | 75,164,000 |
| Equity capital | 53,421,000 | 53,932,000 | 54,421,000 | 54,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,979,000 | 9,909,000 | 14,869,000 | 19,888,000 |
| Interest expense | 652,000 | 1,230,000 | 1,777,000 | 2,285,000 |
| Net interest income | 4,327,000 | 8,679,000 | 13,092,000 | 17,603,000 |
| Noninterest income | 236,000 | 493,000 | 742,000 | 1,002,000 |
| Noninterest expense | 3,866,000 | 7,761,000 | 11,696,000 | 15,509,000 |
| Provision for loan losses | 0 | 35,000 | 64,000 | 70,000 |
| Pretax income | 697,000 | 1,376,000 | 2,074,000 | 3,026,000 |
| Income tax | 164,000 | 322,000 | 498,000 | 727,000 |
| Net income | 533,000 | 1,054,000 | 1,576,000 | 2,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,352,000 | 53,872,000 | 54,394,000 | 55,117,000 |
| Total capital | 54,545,000 | 55,100,000 | 55,647,000 | 56,370,000 |
| Risk-weighted assets | 311,551,000 | 318,909,000 | 315,176,000 | 316,803,000 |