Call reports 2011
CROSS RIVER BANK — 2011
What CROSS RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,348,000 | 161,077,000 | 173,026,000 | 186,085,000 |
| Total loans | 85,323,000 | 100,177,000 | 109,361,000 | 126,563,000 |
| Allowance for loan losses | 941,000 | 1,142,000 | 1,226,000 | 1,369,000 |
| Securities available for sale | 25,275,000 | 32,570,000 | 32,655,000 | 33,591,000 |
| Securities held to maturity | 5,997,000 | 6,104,000 | 6,606,000 | 4,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,847,000 | 129,276,000 | 140,776,000 | 153,387,000 |
| Interest-bearing deposits | 97,644,000 | 123,712,000 | 133,458,000 | 146,570,000 |
| Noninterest-bearing deposits | 5,203,000 | 5,564,000 | 7,318,000 | 6,817,000 |
| Equity capital | 14,689,000 | 15,119,000 | 15,623,000 | 15,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,018,000 | 3,917,000 | 6,143,000 | 8,605,000 |
| Interest expense | 453,000 | 1,079,000 | 1,751,000 | 2,433,000 |
| Net interest income | 1,565,000 | 2,838,000 | 4,392,000 | 6,172,000 |
| Noninterest income | 72,000 | 319,000 | 711,000 | 1,481,000 |
| Noninterest expense | 1,108,000 | 2,076,000 | 3,396,000 | 4,976,000 |
| Provision for loan losses | 167,000 | 368,000 | 452,000 | 595,000 |
| Pretax income | 852,000 | 1,904,000 | 2,397,000 | 3,307,000 |
| Income tax | 339,000 | 830,000 | 1,006,000 | 1,293,000 |
| Net income | 507,000 | 1,066,000 | 1,383,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,130,000 | 14,685,000 | 15,011,000 | 15,315,000 |
| Total capital | 15,072,000 | 15,827,000 | 16,237,000 | 16,684,000 |
| Risk-weighted assets | 94,874,000 | 112,295,000 | 123,579,000 | 135,801,000 |