Call reports 2015
CROSS RIVER BANK — 2015
What CROSS RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 344,088,000 | 382,060,000 | 427,350,000 | 451,905,000 |
| Total loans | 279,160,000 | 323,483,000 | 297,761,000 | 305,840,000 |
| Allowance for loan losses | 3,494,000 | 3,966,000 | 4,059,000 | 3,950,000 |
| Securities available for sale | 18,204,000 | 16,970,000 | 15,422,000 | 14,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,619,000 | 272,133,000 | 310,726,000 | 341,927,000 |
| Interest-bearing deposits | 191,593,000 | 195,356,000 | 199,460,000 | 196,596,000 |
| Noninterest-bearing deposits | 57,026,000 | 76,777,000 | 111,266,000 | 145,331,000 |
| Equity capital | 33,531,000 | 35,861,000 | 39,579,000 | 42,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,007,000 | 10,558,000 | 17,234,000 | 22,822,000 |
| Interest expense | 621,000 | 1,269,000 | 1,924,000 | 2,559,000 |
| Net interest income | 4,386,000 | 9,289,000 | 15,310,000 | 20,263,000 |
| Noninterest income | 2,908,000 | 6,281,000 | 10,643,000 | 15,286,000 |
| Noninterest expense | 3,485,000 | 7,194,000 | 11,333,000 | 15,854,000 |
| Provision for loan losses | 970,000 | 1,690,000 | 2,227,000 | 2,721,000 |
| Pretax income | 2,839,000 | 6,686,000 | 12,393,000 | 16,974,000 |
| Income tax | 1,069,000 | 2,558,000 | 4,568,000 | 6,140,000 |
| Net income | 1,770,000 | 4,128,000 | 7,825,000 | 10,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,607,000 | 35,900,000 | 39,600,000 | 42,610,000 |
| Total capital | 36,083,000 | 39,478,000 | 43,005,000 | 46,116,000 |
| Risk-weighted assets | 278,067,000 | 285,884,000 | 271,740,000 | 280,044,000 |