Call reports 2023
CROSS COUNTY SAVINGS BANK — 2023
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 536,996,000 | 528,328,000 | 536,569,000 | 525,915,000 |
| Total loans | 409,941,000 | 414,844,000 | 414,451,000 | 413,247,000 |
| Allowance for loan losses | 1,343,000 | 1,359,000 | 2,032,000 | 2,032,000 |
| Securities available for sale | 26,116,000 | 25,624,000 | 25,362,000 | 21,560,000 |
| Securities held to maturity | 6,509,000 | 6,442,000 | 6,338,000 | 6,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,023,000 | 451,316,000 | 458,763,000 | 447,834,000 |
| Interest-bearing deposits | 379,960,000 | 378,767,000 | 379,751,000 | 369,210,000 |
| Noninterest-bearing deposits | 87,063,000 | 72,549,000 | 79,012,000 | 78,624,000 |
| Equity capital | 59,000,000 | 59,906,000 | 60,064,000 | 61,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,901,000 | 12,234,000 | 18,390,000 | 24,649,000 |
| Interest expense | 740,000 | 1,791,000 | 3,230,000 | 4,790,000 |
| Net interest income | 5,161,000 | 10,443,000 | 15,160,000 | 19,859,000 |
| Noninterest income | 265,000 | 536,000 | 815,000 | 1,100,000 |
| Noninterest expense | 4,209,000 | 8,332,000 | 12,425,000 | 16,545,000 |
| Provision for loan losses | 58,000 | 79,000 | 147,000 | 149,000 |
| Pretax income | 1,159,000 | 2,568,000 | 3,404,000 | 4,265,000 |
| Income tax | 92,000 | 389,000 | 565,000 | 752,000 |
| Net income | 1,067,000 | 2,179,000 | 2,839,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,037,000 | 61,152,000 | 61,333,000 | 62,006,000 |
| Total capital | 61,390,000 | 62,521,000 | 63,374,000 | 64,048,000 |
| Risk-weighted assets | 333,612,000 | 336,998,000 | 336,634,000 | 333,974,000 |