Call reports 2011
CROSS KEYS BANK — 2011
What CROSS KEYS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 297,742,000 | 305,404,000 | 309,276,000 | 317,561,000 |
| Total loans | 160,790,000 | 172,687,000 | 162,029,000 | 155,953,000 |
| Allowance for loan losses | 3,000,000 | 3,003,000 | 3,167,000 | 3,168,000 |
| Securities available for sale | 96,401,000 | 96,543,000 | 112,604,000 | 121,566,000 |
| Securities held to maturity | 15,498,000 | 15,485,000 | 14,974,000 | 14,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,411,000 | 239,741,000 | 243,560,000 | 252,613,000 |
| Interest-bearing deposits | 186,769,000 | 193,477,000 | 189,808,000 | 191,329,000 |
| Noninterest-bearing deposits | 46,642,000 | 46,264,000 | 53,752,000 | 61,284,000 |
| Equity capital | 31,305,000 | 32,759,000 | 34,282,000 | 33,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,598,000 | 7,256,000 | 11,074,000 | 14,592,000 |
| Interest expense | 674,000 | 1,354,000 | 2,026,000 | 2,641,000 |
| Net interest income | 2,924,000 | 5,902,000 | 9,048,000 | 11,951,000 |
| Noninterest income | 756,000 | 1,614,000 | 2,506,000 | 3,381,000 |
| Noninterest expense | 2,594,000 | 5,139,000 | 7,740,000 | 10,173,000 |
| Provision for loan losses | 543,000 | 683,000 | 959,000 | 1,051,000 |
| Pretax income | 564,000 | 1,810,000 | 2,971,000 | 4,259,000 |
| Income tax | 107,000 | 344,000 | 700,000 | 737,000 |
| Net income | 457,000 | 1,466,000 | 2,271,000 | 3,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,057,000 | 31,067,000 | 31,871,000 | 31,122,000 |
| Total capital | 32,471,000 | 33,570,000 | 34,327,000 | 33,557,000 |
| Risk-weighted assets | 192,554,000 | 199,714,000 | 195,742,000 | 194,104,000 |
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