Call reports 2013
CROSS KEYS BANK — 2013
What CROSS KEYS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 298,630,000 | 298,874,000 | 313,499,000 | 304,408,000 |
| Total loans | 146,057,000 | 151,157,000 | 144,372,000 | 144,487,000 |
| Allowance for loan losses | 2,485,000 | 1,886,000 | 1,748,000 | 1,362,000 |
| Securities available for sale | 120,191,000 | 115,080,000 | 124,516,000 | 130,692,000 |
| Securities held to maturity | 12,440,000 | 12,322,000 | 11,895,000 | 11,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,682,000 | 240,931,000 | 257,288,000 | 245,126,000 |
| Interest-bearing deposits | 186,086,000 | 187,431,000 | 191,106,000 | 181,352,000 |
| Noninterest-bearing deposits | 56,596,000 | 53,500,000 | 66,182,000 | 63,774,000 |
| Equity capital | 34,989,000 | 33,354,000 | 33,670,000 | 33,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,105,000 | 6,162,000 | 9,290,000 | 12,389,000 |
| Interest expense | 462,000 | 878,000 | 1,269,000 | 1,651,000 |
| Net interest income | 2,643,000 | 5,284,000 | 8,021,000 | 10,738,000 |
| Noninterest income | 732,000 | 1,445,000 | 2,044,000 | 2,747,000 |
| Noninterest expense | 2,387,000 | 4,725,000 | 7,066,000 | 9,371,000 |
| Provision for loan losses | 14,000 | 62,000 | 37,000 | 24,000 |
| Pretax income | 996,000 | 1,979,000 | 2,997,000 | 4,125,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 996,000 | 1,979,000 | 2,997,000 | 4,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,599,000 | 32,583,000 | 33,601,000 | 33,529,000 |
| Total capital | 33,934,000 | 34,469,000 | 35,349,000 | 34,891,000 |
| Risk-weighted assets | 186,680,000 | 185,261,000 | 177,861,000 | 182,733,000 |
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