Call reports 2022
CROSS COUNTY SAVINGS BANK — 2022
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 580,242,000 | 580,383,000 | 563,830,000 | 539,043,000 |
| Total loans | 389,027,000 | 393,021,000 | 410,735,000 | 405,522,000 |
| Allowance for loan losses | 1,240,000 | 1,239,000 | 1,284,000 | 1,288,000 |
| Securities available for sale | 13,066,000 | 16,613,000 | 21,246,000 | 25,953,000 |
| Securities held to maturity | 6,774,000 | 6,713,000 | 6,642,000 | 6,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,956,000 | 516,419,000 | 496,348,000 | 469,916,000 |
| Interest-bearing deposits | 441,760,000 | 438,527,000 | 414,735,000 | 386,091,000 |
| Noninterest-bearing deposits | 75,196,000 | 77,892,000 | 81,613,000 | 83,825,000 |
| Equity capital | 55,223,000 | 55,570,000 | 56,184,000 | 57,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,085,000 | 10,230,000 | 15,889,000 | 21,833,000 |
| Interest expense | 469,000 | 902,000 | 1,381,000 | 1,874,000 |
| Net interest income | 4,616,000 | 9,328,000 | 14,508,000 | 19,959,000 |
| Noninterest income | 259,000 | 529,000 | 810,000 | 1,089,000 |
| Noninterest expense | 4,003,000 | 8,037,000 | 12,189,000 | 15,968,000 |
| Provision for loan losses | 5,000 | 6,000 | 54,000 | 62,000 |
| Pretax income | 867,000 | 1,814,000 | 3,075,000 | 5,018,000 |
| Income tax | 205,000 | 430,000 | 720,000 | 1,163,000 |
| Net income | 662,000 | 1,384,000 | 2,355,000 | 3,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,779,000 | 56,503,000 | 57,472,000 | 58,972,000 |
| Total capital | 57,031,000 | 57,753,000 | 58,766,000 | 60,271,000 |
| Risk-weighted assets | 313,299,000 | 317,947,000 | 330,836,000 | 329,923,000 |