Call reports 2015
CROSS KEYS BANK — 2015
What CROSS KEYS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 320,848,000 | 320,435,000 | 319,637,000 | 320,791,000 |
| Total loans | 157,987,000 | 168,111,000 | 180,179,000 | 186,729,000 |
| Allowance for loan losses | 1,200,000 | 1,199,000 | 1,179,000 | 1,179,000 |
| Securities available for sale | 129,195,000 | 125,268,000 | 112,383,000 | 104,101,000 |
| Securities held to maturity | 8,726,000 | 8,604,000 | 8,373,000 | 8,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,133,000 | 245,418,000 | 242,494,000 | 244,536,000 |
| Interest-bearing deposits | 186,541,000 | 188,197,000 | 180,974,000 | 183,005,000 |
| Noninterest-bearing deposits | 57,592,000 | 57,221,000 | 61,520,000 | 61,531,000 |
| Equity capital | 41,015,000 | 39,205,000 | 41,162,000 | 40,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,475,000 | 9,814,000 | 13,175,000 |
| Interest expense | 373,000 | 743,000 | 1,110,000 | 1,469,000 |
| Net interest income | 2,904,000 | 5,732,000 | 8,704,000 | 11,706,000 |
| Noninterest income | 840,000 | 1,520,000 | 2,352,000 | 3,421,000 |
| Noninterest expense | 2,717,000 | 5,338,000 | 8,022,000 | 10,814,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,062,000 | 1,956,000 | 3,084,000 | 4,392,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,062,000 | 1,956,000 | 3,084,000 | 4,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,183,000 | 37,077,000 | 38,206,000 | 37,913,000 |
| Total capital | 38,383,000 | 38,276,000 | 39,385,000 | 39,092,000 |
| Risk-weighted assets | 201,703,000 | 204,746,000 | 211,412,000 | 219,341,000 |