Call reports 2009
CROSS RIVER BANK — 2009
What CROSS RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 24,373,000 | 38,136,000 | 66,090,000 | 89,197,000 |
| Total loans | 7,976,000 | 14,538,000 | 22,386,000 | 34,881,000 |
| Allowance for loan losses | 78,000 | 175,000 | 267,000 | 387,000 |
| Securities available for sale | 3,764,000 | 8,244,000 | 12,274,000 | 10,343,000 |
| Securities held to maturity | 0 | 0 | 1,709,000 | 2,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,441,000 | 30,563,000 | 58,737,000 | 81,679,000 |
| Interest-bearing deposits | 15,215,000 | 28,420,000 | 55,108,000 | 77,779,000 |
| Noninterest-bearing deposits | 1,226,000 | 2,142,000 | 3,629,000 | 3,900,000 |
| Equity capital | 7,894,000 | 7,503,000 | 7,182,000 | 7,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 208,000 | 490,000 | 1,137,000 | 1,874,000 |
| Interest expense | 106,000 | 264,000 | 580,000 | 1,075,000 |
| Net interest income | 102,000 | 226,000 | 557,000 | 799,000 |
| Noninterest income | 0 | 1,000 | -12,000 | -12,000 |
| Noninterest expense | 487,000 | 948,000 | 1,483,000 | 2,065,000 |
| Provision for loan losses | 28,000 | 125,000 | 217,000 | 337,000 |
| Pretax income | -413,000 | -846,000 | -1,155,000 | -1,196,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -413,000 | -886,000 | -1,195,000 | -1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,887,000 | 7,407,000 | 7,102,000 | 7,069,000 |
| Total capital | 7,965,000 | 7,582,000 | 7,369,000 | 7,456,000 |
| Risk-weighted assets | 10,239,000 | 18,566,000 | 28,487,000 | 45,999,000 |
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