Call reports 2010
CROSS KEYS BANK — 2010
What CROSS KEYS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 286,285,000 | 286,839,000 | 296,473,000 | 288,789,000 |
| Total loans | 166,163,000 | 170,301,000 | 164,233,000 | 156,596,000 |
| Allowance for loan losses | 2,709,000 | 2,546,000 | 2,465,000 | 2,453,000 |
| Securities available for sale | 78,269,000 | 80,181,000 | 83,202,000 | 95,446,000 |
| Securities held to maturity | 18,585,000 | 18,566,000 | 16,700,000 | 16,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,408,000 | 219,711,000 | 227,993,000 | 224,915,000 |
| Interest-bearing deposits | 175,269,000 | 178,356,000 | 178,159,000 | 180,454,000 |
| Noninterest-bearing deposits | 41,139,000 | 41,355,000 | 49,834,000 | 44,461,000 |
| Equity capital | 30,378,000 | 31,277,000 | 32,315,000 | 30,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,684,000 | 7,376,000 | 11,005,000 | 14,562,000 |
| Interest expense | 762,000 | 1,538,000 | 2,298,000 | 3,018,000 |
| Net interest income | 2,922,000 | 5,838,000 | 8,707,000 | 11,544,000 |
| Noninterest income | 704,000 | 1,531,000 | 2,327,000 | 3,201,000 |
| Noninterest expense | 2,565,000 | 5,139,000 | 7,743,000 | 10,217,000 |
| Provision for loan losses | 161,000 | 555,000 | 576,000 | 583,000 |
| Pretax income | 911,000 | 1,686,000 | 2,727,000 | 3,957,000 |
| Income tax | 191,000 | 354,000 | 573,000 | 702,000 |
| Net income | 720,000 | 1,332,000 | 2,154,000 | 3,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,065,000 | 29,677,000 | 30,499,000 | 29,600,000 |
| Total capital | 31,505,000 | 32,082,000 | 32,832,000 | 31,956,000 |
| Risk-weighted assets | 194,920,000 | 192,267,000 | 186,485,000 | 188,415,000 |
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