Call reports 2018
CROSS KEYS BANK — 2018
What CROSS KEYS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 351,082,000 | 362,216,000 | 360,997,000 | 382,804,000 |
| Total loans | 237,958,000 | 249,287,000 | 247,468,000 | 233,462,000 |
| Allowance for loan losses | 2,147,000 | 1,463,000 | 1,620,000 | 1,640,000 |
| Securities available for sale | 84,199,000 | 83,723,000 | 78,441,000 | 87,291,000 |
| Securities held to maturity | 1,952,000 | 1,934,000 | 1,575,000 | 800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,361,000 | 278,670,000 | 279,147,000 | 302,023,000 |
| Interest-bearing deposits | 203,227,000 | 211,129,000 | 210,647,000 | 227,671,000 |
| Noninterest-bearing deposits | 67,134,000 | 67,541,000 | 68,500,000 | 74,352,000 |
| Equity capital | 42,453,000 | 41,547,000 | 42,561,000 | 43,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,860,000 | 7,958,000 | 12,213,000 | 16,425,000 |
| Interest expense | 678,000 | 1,459,000 | 2,366,000 | 3,323,000 |
| Net interest income | 3,182,000 | 6,499,000 | 9,847,000 | 13,102,000 |
| Noninterest income | 729,000 | 1,535,000 | 2,576,000 | 3,471,000 |
| Noninterest expense | 2,813,000 | 5,665,000 | 8,499,000 | 11,269,000 |
| Provision for loan losses | 45,000 | 949,000 | 1,131,000 | 1,223,000 |
| Pretax income | 1,059,000 | 1,426,000 | 2,804,000 | 4,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,059,000 | 1,426,000 | 2,804,000 | 4,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,266,000 | 41,633,000 | 43,012,000 | 43,302,000 |
| Total capital | 44,413,000 | 43,096,000 | 44,632,000 | 44,942,000 |
| Risk-weighted assets | 275,150,000 | 282,159,000 | 281,078,000 | 277,850,000 |