Call reports 2004
TWIN RIVER BANK — 2004
What TWIN RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,051,000 | 51,643,000 | 57,201,000 | 56,494,000 |
| Total loans | 27,534,000 | 27,841,000 | 28,369,000 | 29,703,000 |
| Allowance for loan losses | 301,000 | 301,000 | 287,000 | 297,000 |
| Securities available for sale | 499,000 | 3,501,000 | 4,998,000 | 5,965,000 |
| Securities held to maturity | 201,000 | 101,000 | 101,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,824,000 | 47,366,000 | 52,787,000 | 51,940,000 |
| Interest-bearing deposits | 39,705,000 | 40,228,000 | 44,637,000 | 43,410,000 |
| Noninterest-bearing deposits | 7,119,000 | 7,138,000 | 8,150,000 | 8,530,000 |
| Equity capital | 4,061,000 | 4,111,000 | 4,175,000 | 4,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 958,000 | 1,508,000 | 2,092,000 |
| Interest expense | 86,000 | 179,000 | 285,000 | 416,000 |
| Net interest income | 372,000 | 779,000 | 1,223,000 | 1,676,000 |
| Noninterest income | 63,000 | 134,000 | 199,000 | 249,000 |
| Noninterest expense | 372,000 | 748,000 | 1,110,000 | 1,490,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 32,000 |
| Pretax income | 41,000 | 143,000 | 290,000 | 403,000 |
| Income tax | 12,000 | 64,000 | 139,000 | 147,000 |
| Net income | 29,000 | 79,000 | 151,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,061,000 | 4,111,000 | 4,183,000 | 4,218,000 |
| Total capital | 4,362,000 | 4,412,000 | 4,470,000 | 4,515,000 |
| Risk-weighted assets | 31,909,000 | 32,342,000 | 33,366,000 | 33,561,000 |
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