Call reports 2012
CROSS KEYS BANK — 2012
What CROSS KEYS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 308,785,000 | 306,616,000 | 315,546,000 | 312,418,000 |
| Total loans | 154,705,000 | 164,170,000 | 156,018,000 | 148,149,000 |
| Allowance for loan losses | 3,484,000 | 3,800,000 | 4,325,000 | 2,550,000 |
| Securities available for sale | 115,990,000 | 111,127,000 | 120,514,000 | 120,542,000 |
| Securities held to maturity | 13,908,000 | 13,752,000 | 13,297,000 | 13,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,307,000 | 242,859,000 | 253,813,000 | 255,421,000 |
| Interest-bearing deposits | 189,974,000 | 192,135,000 | 192,689,000 | 181,672,000 |
| Noninterest-bearing deposits | 57,333,000 | 50,724,000 | 61,124,000 | 73,749,000 |
| Equity capital | 34,327,000 | 35,363,000 | 36,296,000 | 33,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,438,000 | 6,804,000 | 10,113,000 | 13,282,000 |
| Interest expense | 580,000 | 1,133,000 | 1,655,000 | 2,149,000 |
| Net interest income | 2,858,000 | 5,671,000 | 8,458,000 | 11,133,000 |
| Noninterest income | 858,000 | 1,759,000 | 2,680,000 | 3,490,000 |
| Noninterest expense | 2,517,000 | 5,026,000 | 7,523,000 | 9,913,000 |
| Provision for loan losses | 329,000 | 644,000 | 1,166,000 | 1,509,000 |
| Pretax income | 873,000 | 1,763,000 | 2,452,000 | 4,203,000 |
| Income tax | 220,000 | 443,000 | 666,000 | 1,122,000 |
| Net income | 653,000 | 1,320,000 | 1,786,000 | 3,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,775,000 | 32,442,000 | 32,909,000 | 30,604,000 |
| Total capital | 34,222,000 | 34,925,000 | 35,282,000 | 32,931,000 |
| Risk-weighted assets | 194,708,000 | 197,311,000 | 187,874,000 | 185,905,000 |
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