Call reports 2020
CROSS KEYS BANK — 2020
What CROSS KEYS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 386,362,000 | 453,619,000 | 442,570,000 | 447,086,000 |
| Total loans | 222,565,000 | 289,249,000 | 297,199,000 | 261,351,000 |
| Allowance for loan losses | 2,157,000 | 3,287,000 | 3,429,000 | 2,514,000 |
| Securities available for sale | 110,537,000 | 113,654,000 | 107,253,000 | 128,646,000 |
| Securities held to maturity | 764,000 | 592,000 | 592,000 | 242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,825,000 | 342,360,000 | 344,738,000 | 363,411,000 |
| Interest-bearing deposits | 225,960,000 | 245,796,000 | 246,148,000 | 265,559,000 |
| Noninterest-bearing deposits | 70,865,000 | 96,564,000 | 98,590,000 | 97,852,000 |
| Equity capital | 45,771,000 | 50,784,000 | 52,340,000 | 51,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,045,000 | 9,502,000 | 13,452,000 | 16,986,000 |
| Interest expense | 865,000 | 1,458,000 | 1,955,000 | 2,356,000 |
| Net interest income | 3,180,000 | 8,044,000 | 11,497,000 | 14,630,000 |
| Noninterest income | 1,283,000 | 2,421,000 | 3,943,000 | 5,873,000 |
| Noninterest expense | 3,191,000 | 6,484,000 | 10,015,000 | 13,671,000 |
| Provision for loan losses | 453,000 | 1,584,000 | 1,748,000 | 2,248,000 |
| Pretax income | 819,000 | 2,397,000 | 3,692,000 | 4,600,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 819,000 | 2,397,000 | 3,692,000 | 4,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,327,000 | 46,834,000 | 48,133,000 | 47,057,000 |
| Total capital | 47,484,000 | 50,121,000 | 51,562,000 | 49,571,000 |
| Risk-weighted assets | 280,741,000 | 296,975,000 | 298,914,000 | 292,869,000 |