Call reports 2024
CROSS COUNTY SAVINGS BANK — 2024
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 533,382,000 | 538,713,000 | 538,004,000 | 536,300,000 |
| Total loans | 413,872,000 | 408,584,000 | 409,552,000 | 410,139,000 |
| Allowance for loan losses | 2,032,000 | 2,035,000 | 2,034,000 | 2,032,000 |
| Securities available for sale | 21,399,000 | 18,711,000 | 21,786,000 | 24,909,000 |
| Securities held to maturity | 6,175,000 | 6,083,000 | 5,767,000 | 5,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,024,000 | 456,279,000 | 454,358,000 | 461,390,000 |
| Interest-bearing deposits | 369,169,000 | 370,483,000 | 371,095,000 | 377,443,000 |
| Noninterest-bearing deposits | 82,855,000 | 85,796,000 | 83,263,000 | 83,947,000 |
| Equity capital | 61,522,000 | 62,090,000 | 62,848,000 | 63,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,159,000 | 12,586,000 | 18,970,000 | 25,488,000 |
| Interest expense | 1,637,000 | 3,429,000 | 5,314,000 | 7,181,000 |
| Net interest income | 4,522,000 | 9,157,000 | 13,656,000 | 18,307,000 |
| Noninterest income | 291,000 | 569,000 | 876,000 | 1,175,000 |
| Noninterest expense | 4,228,000 | 8,479,000 | 12,703,000 | 16,852,000 |
| Provision for loan losses | 9,000 | 16,000 | 16,000 | 18,000 |
| Pretax income | 576,000 | 1,230,000 | 1,812,000 | 2,612,000 |
| Income tax | 120,000 | 257,000 | 379,000 | 542,000 |
| Net income | 456,000 | 973,000 | 1,433,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,462,000 | 62,979,000 | 63,440,000 | 64,077,000 |
| Total capital | 64,505,000 | 65,025,000 | 65,485,000 | 66,120,000 |
| Risk-weighted assets | 334,146,000 | 331,673,000 | 334,399,000 | 333,520,000 |