Call reports 2016
CROSS KEYS BANK — 2016
What CROSS KEYS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 324,735,000 | 336,860,000 | 342,133,000 | 337,398,000 |
| Total loans | 190,408,000 | 208,200,000 | 207,295,000 | 196,451,000 |
| Allowance for loan losses | 1,165,000 | 1,694,000 | 1,602,000 | 1,604,000 |
| Securities available for sale | 99,897,000 | 96,242,000 | 94,305,000 | 102,537,000 |
| Securities held to maturity | 7,212,000 | 7,212,000 | 6,586,000 | 6,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,996,000 | 254,359,000 | 258,632,000 | 257,409,000 |
| Interest-bearing deposits | 182,265,000 | 188,252,000 | 187,764,000 | 185,413,000 |
| Noninterest-bearing deposits | 64,731,000 | 66,107,000 | 70,868,000 | 71,996,000 |
| Equity capital | 42,400,000 | 42,376,000 | 43,523,000 | 40,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,387,000 | 6,891,000 | 10,480,000 | 13,884,000 |
| Interest expense | 377,000 | 774,000 | 1,189,000 | 1,613,000 |
| Net interest income | 3,010,000 | 6,117,000 | 9,291,000 | 12,271,000 |
| Noninterest income | 930,000 | 1,710,000 | 2,482,000 | 3,358,000 |
| Noninterest expense | 2,858,000 | 5,638,000 | 8,510,000 | 11,135,000 |
| Provision for loan losses | 6,000 | 634,000 | 670,000 | 670,000 |
| Pretax income | 1,091,000 | 1,587,000 | 2,692,000 | 3,926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,091,000 | 1,587,000 | 2,692,000 | 3,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,004,000 | 38,500,000 | 39,605,000 | 39,639,000 |
| Total capital | 40,169,000 | 40,194,000 | 41,207,000 | 41,243,000 |
| Risk-weighted assets | 223,320,000 | 243,053,000 | 242,110,000 | 238,009,000 |