Call reports 2019
CROSS KEYS BANK — 2019
What CROSS KEYS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 373,484,000 | 378,442,000 | 377,336,000 | 403,601,000 |
| Total loans | 232,308,000 | 248,627,000 | 229,789,000 | 223,305,000 |
| Allowance for loan losses | 1,435,000 | 2,556,000 | 1,813,000 | 1,742,000 |
| Securities available for sale | 93,184,000 | 102,608,000 | 105,692,000 | 110,680,000 |
| Securities held to maturity | 800,000 | 800,000 | 764,000 | 764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,880,000 | 294,744,000 | 294,254,000 | 322,141,000 |
| Interest-bearing deposits | 225,478,000 | 229,396,000 | 226,763,000 | 249,265,000 |
| Noninterest-bearing deposits | 66,402,000 | 65,348,000 | 67,491,000 | 72,876,000 |
| Equity capital | 45,704,000 | 45,837,000 | 47,262,000 | 47,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,318,000 | 8,686,000 | 12,937,000 | 16,990,000 |
| Interest expense | 1,067,000 | 2,203,000 | 3,333,000 | 4,313,000 |
| Net interest income | 3,251,000 | 6,483,000 | 9,604,000 | 12,677,000 |
| Noninterest income | 765,000 | 1,813,000 | 2,725,000 | 4,011,000 |
| Noninterest expense | 2,843,000 | 5,769,000 | 8,680,000 | 11,482,000 |
| Provision for loan losses | -18,000 | 1,215,000 | 1,307,000 | 1,409,000 |
| Pretax income | 1,201,000 | 1,322,000 | 2,352,000 | 3,806,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,201,000 | 1,322,000 | 2,352,000 | 3,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,503,000 | 43,624,000 | 44,655,000 | 45,308,000 |
| Total capital | 45,938,000 | 46,180,000 | 46,468,000 | 47,050,000 |
| Risk-weighted assets | 282,704,000 | 292,977,000 | 285,799,000 | 270,268,000 |