Call reports 2003
TWO RIVER COMMUNITY BANK — 2003
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 142,892,000 | 153,223,000 | 161,290,000 | 168,886,000 |
| Total loans | 108,241,000 | 120,085,000 | 122,805,000 | 133,759,000 |
| Allowance for loan losses | 1,195,000 | 1,318,000 | 1,351,000 | 1,469,000 |
| Securities available for sale | 14,801,000 | 20,642,000 | 22,990,000 | 26,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,982,000 | 127,604,000 | 139,509,000 | 141,048,000 |
| Interest-bearing deposits | 90,601,000 | 95,572,000 | 105,347,000 | 107,657,000 |
| Noninterest-bearing deposits | 30,381,000 | 32,032,000 | 34,162,000 | 33,391,000 |
| Equity capital | 12,777,000 | 13,185,000 | 13,207,000 | 13,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,955,000 | 4,079,000 | 6,268,000 | 8,596,000 |
| Interest expense | 409,000 | 841,000 | 1,284,000 | 1,735,000 |
| Net interest income | 1,546,000 | 3,238,000 | 4,984,000 | 6,861,000 |
| Noninterest income | 87,000 | 185,000 | 279,000 | 383,000 |
| Noninterest expense | 1,233,000 | 2,493,000 | 3,796,000 | 5,244,000 |
| Provision for loan losses | 48,000 | 171,000 | 204,000 | 322,000 |
| Pretax income | 352,000 | 759,000 | 1,263,000 | 1,678,000 |
| Income tax | 37,000 | 86,000 | 262,000 | 428,000 |
| Net income | 315,000 | 673,000 | 1,001,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,670,000 | 13,027,000 | 13,355,000 | 13,604,000 |
| Total capital | 13,865,000 | 14,345,000 | 14,706,000 | 15,073,000 |
| Risk-weighted assets | 117,530,000 | 129,190,000 | 133,178,000 | 143,881,000 |