Call reports 2025
CROSS KEYS BANK — 2025
What CROSS KEYS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 610,791,000 | 623,388,000 | 625,391,000 | 627,030,000 |
| Total loans | 404,486,000 | 425,198,000 | 422,680,000 | 422,250,000 |
| Allowance for loan losses | 3,069,000 | 3,200,000 | 3,169,000 | 3,162,000 |
| Securities available for sale | 93,910,000 | 92,065,000 | 93,565,000 | 91,408,000 |
| Securities held to maturity | 69,985,000 | 69,146,000 | 68,253,000 | 67,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,794,000 | 504,877,000 | 506,824,000 | 509,333,000 |
| Interest-bearing deposits | 412,543,000 | 409,784,000 | 406,427,000 | 410,920,000 |
| Noninterest-bearing deposits | 96,251,000 | 95,093,000 | 100,397,000 | 98,413,000 |
| Equity capital | 66,734,000 | 67,648,000 | 72,099,000 | 74,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,011,000 | 16,381,000 | 25,042,000 | 33,561,000 |
| Interest expense | 3,150,000 | 6,622,000 | 10,163,000 | 13,324,000 |
| Net interest income | 4,861,000 | 9,759,000 | 14,879,000 | 20,237,000 |
| Noninterest income | 877,000 | 1,805,000 | 2,941,000 | 4,379,000 |
| Noninterest expense | 4,115,000 | 8,547,000 | 12,772,000 | 17,872,000 |
| Provision for loan losses | 227,000 | 363,000 | 363,000 | 363,000 |
| Pretax income | 1,396,000 | 2,654,000 | 4,685,000 | 6,400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,396,000 | 2,654,000 | 4,685,000 | 6,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,598,000 | 79,857,000 | 81,887,000 | 83,601,000 |
| Total capital | 81,783,000 | 83,173,000 | 85,172,000 | 86,879,000 |
| Risk-weighted assets | 503,018,000 | 517,904,000 | 511,233,000 | 513,789,000 |