Call reports 2017
CROSS KEYS BANK — 2017
What CROSS KEYS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 339,504,000 | 345,460,000 | 355,001,000 | 354,168,000 |
| Total loans | 210,018,000 | 222,180,000 | 230,825,000 | 227,047,000 |
| Allowance for loan losses | 1,618,000 | 1,780,000 | 2,031,000 | 2,152,000 |
| Securities available for sale | 97,980,000 | 96,234,000 | 89,517,000 | 87,566,000 |
| Securities held to maturity | 4,450,000 | 4,216,000 | 3,854,000 | 3,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,691,000 | 262,803,000 | 268,304,000 | 269,478,000 |
| Interest-bearing deposits | 194,924,000 | 197,954,000 | 198,124,000 | 197,966,000 |
| Noninterest-bearing deposits | 64,767,000 | 64,849,000 | 70,180,000 | 71,512,000 |
| Equity capital | 41,069,000 | 42,594,000 | 43,314,000 | 42,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,519,000 | 7,144,000 | 10,973,000 | 14,766,000 |
| Interest expense | 457,000 | 976,000 | 1,573,000 | 2,199,000 |
| Net interest income | 3,062,000 | 6,168,000 | 9,400,000 | 12,567,000 |
| Noninterest income | 785,000 | 1,585,000 | 2,445,000 | 3,761,000 |
| Noninterest expense | 2,801,000 | 5,689,000 | 8,521,000 | 11,263,000 |
| Provision for loan losses | 76,000 | 368,000 | 621,000 | 758,000 |
| Pretax income | 969,000 | 1,694,000 | 2,707,000 | 4,369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 969,000 | 1,694,000 | 2,707,000 | 4,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,608,000 | 40,333,000 | 41,345,000 | 41,208,000 |
| Total capital | 41,226,000 | 42,113,000 | 43,376,000 | 43,360,000 |
| Risk-weighted assets | 267,363,000 | 267,646,000 | 269,594,000 | 264,314,000 |