Call reports 2014
CROSS KEYS BANK — 2014
What CROSS KEYS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 303,710,000 | 311,853,000 | 321,720,000 | 324,100,000 |
| Total loans | 142,132,000 | 155,034,000 | 164,814,000 | 166,309,000 |
| Allowance for loan losses | 1,324,000 | 1,217,000 | 1,194,000 | 1,192,000 |
| Securities available for sale | 130,538,000 | 126,641,000 | 121,937,000 | 127,831,000 |
| Securities held to maturity | 10,959,000 | 10,259,000 | 10,256,000 | 9,726,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,692,000 | 247,748,000 | 252,382,000 | 252,333,000 |
| Interest-bearing deposits | 189,744,000 | 193,503,000 | 188,804,000 | 187,318,000 |
| Noninterest-bearing deposits | 55,948,000 | 54,245,000 | 63,578,000 | 65,015,000 |
| Equity capital | 35,382,000 | 37,340,000 | 38,790,000 | 38,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,077,000 | 6,253,000 | 9,529,000 | 12,743,000 |
| Interest expense | 361,000 | 720,000 | 1,073,000 | 1,434,000 |
| Net interest income | 2,716,000 | 5,533,000 | 8,456,000 | 11,309,000 |
| Noninterest income | 693,000 | 1,306,000 | 2,109,000 | 2,964,000 |
| Noninterest expense | 2,383,000 | 4,955,000 | 7,548,000 | 10,196,000 |
| Provision for loan losses | -109,000 | -112,000 | -112,000 | -112,000 |
| Pretax income | 1,101,000 | 1,961,000 | 3,128,000 | 4,193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,101,000 | 1,961,000 | 3,128,000 | 4,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,630,000 | 35,490,000 | 36,657,000 | 36,121,000 |
| Total capital | 35,954,000 | 36,707,000 | 37,851,000 | 37,313,000 |
| Risk-weighted assets | 181,062,000 | 193,036,000 | 203,005,000 | 208,892,000 |
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