Call reports 2012
CROSS RIVER BANK — 2012
What CROSS RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,283,000 | 210,967,000 | 217,170,000 | 216,478,000 |
| Total loans | 130,649,000 | 129,485,000 | 128,096,000 | 142,380,000 |
| Allowance for loan losses | 1,434,000 | 1,442,000 | 1,389,000 | 1,490,000 |
| Securities available for sale | 41,448,000 | 40,121,000 | 36,947,000 | 44,643,000 |
| Securities held to maturity | 3,375,000 | 3,369,000 | 3,361,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,489,000 | 162,306,000 | 166,967,000 | 166,781,000 |
| Interest-bearing deposits | 152,799,000 | 154,677,000 | 157,711,000 | 154,818,000 |
| Noninterest-bearing deposits | 8,690,000 | 7,629,000 | 9,256,000 | 11,963,000 |
| Equity capital | 21,588,000 | 21,936,000 | 22,813,000 | 23,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,471,000 | 4,856,000 | 7,398,000 | 9,655,000 |
| Interest expense | 705,000 | 1,398,000 | 2,082,000 | 2,701,000 |
| Net interest income | 1,766,000 | 3,458,000 | 5,316,000 | 6,954,000 |
| Noninterest income | 729,000 | 1,396,000 | 2,655,000 | 3,413,000 |
| Noninterest expense | 1,513,000 | 3,571,000 | 5,656,000 | 7,740,000 |
| Provision for loan losses | 65,000 | 73,000 | 20,000 | 121,000 |
| Pretax income | 908,000 | 1,528,000 | 2,931,000 | 3,641,000 |
| Income tax | 380,000 | 638,000 | 1,228,000 | 1,420,000 |
| Net income | 528,000 | 890,000 | 1,703,000 | 2,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,013,000 | 21,380,000 | 22,238,000 | 22,861,000 |
| Total capital | 22,447,000 | 22,822,000 | 23,627,000 | 24,351,000 |
| Risk-weighted assets | 138,766,000 | 146,152,000 | 141,213,000 | 154,612,000 |