Call reports 2022
CROSS KEYS BANK — 2022
What CROSS KEYS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 465,847,000 | 525,085,000 | 516,081,000 | 548,771,000 |
| Total loans | 261,744,000 | 270,315,000 | 281,579,000 | 279,518,000 |
| Allowance for loan losses | 1,998,000 | 2,034,000 | 2,111,000 | 2,097,000 |
| Securities available for sale | 161,436,000 | 188,491,000 | 177,965,000 | 107,197,000 |
| Securities held to maturity | 214,000 | 185,000 | 185,000 | 76,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,337,000 | 456,130,000 | 454,168,000 | 482,888,000 |
| Interest-bearing deposits | 273,197,000 | 276,392,000 | 271,537,000 | 304,828,000 |
| Noninterest-bearing deposits | 118,140,000 | 179,738,000 | 182,631,000 | 178,060,000 |
| Equity capital | 43,907,000 | 43,246,000 | 37,265,000 | 47,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,233,000 | 8,615,000 | 13,784,000 | 19,320,000 |
| Interest expense | 234,000 | 665,000 | 1,529,000 | 2,924,000 |
| Net interest income | 3,999,000 | 7,950,000 | 12,255,000 | 16,396,000 |
| Noninterest income | 1,079,000 | 2,330,000 | 3,418,000 | 4,252,000 |
| Noninterest expense | 3,490,000 | 6,961,000 | 10,570,000 | 14,169,000 |
| Provision for loan losses | 100,000 | 150,000 | 250,000 | 250,000 |
| Pretax income | 1,513,000 | 3,194,000 | 4,878,000 | 6,254,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,513,000 | 3,194,000 | 4,878,000 | 6,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,405,000 | 61,146,000 | 62,917,000 | 63,853,000 |
| Total capital | 54,403,000 | 63,180,000 | 65,028,000 | 65,950,000 |
| Risk-weighted assets | 356,534,000 | 372,830,000 | 384,067,000 | 385,095,000 |