Call reports 2025
CROSS COUNTY SAVINGS BANK — 2025
What CROSS COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 536,296,000 | 531,981,000 | 524,292,000 | 529,925,000 |
| Total loans | 407,726,000 | 400,513,000 | 396,862,000 | 402,047,000 |
| Allowance for loan losses | 2,031,000 | 2,033,000 | 2,031,000 | 2,032,000 |
| Securities available for sale | 29,922,000 | 27,352,000 | 25,795,000 | 24,512,000 |
| Securities held to maturity | 5,639,000 | 5,557,000 | 5,368,000 | 5,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,265,000 | 456,285,000 | 447,135,000 | 452,247,000 |
| Interest-bearing deposits | 374,167,000 | 371,708,000 | 365,296,000 | 365,856,000 |
| Noninterest-bearing deposits | 87,098,000 | 84,577,000 | 81,839,000 | 86,391,000 |
| Equity capital | 64,038,000 | 64,765,000 | 65,976,000 | 66,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,313,000 | 12,579,000 | 18,755,000 | 24,973,000 |
| Interest expense | 1,714,000 | 3,350,000 | 4,977,000 | 6,571,000 |
| Net interest income | 4,599,000 | 9,229,000 | 13,778,000 | 18,402,000 |
| Noninterest income | 282,000 | 568,000 | 1,389,000 | 1,712,000 |
| Noninterest expense | 4,257,000 | 8,413,000 | 12,580,000 | 16,674,000 |
| Provision for loan losses | 6,000 | 8,000 | 11,000 | 16,000 |
| Pretax income | 618,000 | 1,375,000 | 2,574,000 | 3,423,000 |
| Income tax | 128,000 | 285,000 | 430,000 | 597,000 |
| Net income | 490,000 | 1,090,000 | 2,144,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,567,000 | 65,166,000 | 66,222,000 | 66,903,000 |
| Total capital | 66,609,000 | 67,211,000 | 68,266,000 | 68,947,000 |
| Risk-weighted assets | 333,350,000 | 328,810,000 | 325,402,000 | 327,992,000 |