Call reports 2004
TWO RIVER COMMUNITY BANK — 2004
What TWO RIVER COMMUNITY 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 | 198,613,000 | 218,029,000 | 223,078,000 | 235,470,000 |
| Total loans | 144,766,000 | 158,141,000 | 165,320,000 | 176,000,000 |
| Allowance for loan losses | 1,547,000 | 1,712,000 | 1,818,000 | 1,927,000 |
| Securities available for sale | 31,085,000 | 38,542,000 | 37,810,000 | 39,496,000 |
| Securities held to maturity | 0 | 0 | 2,582,000 | 3,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,746,000 | 197,155,000 | 191,848,000 | 199,955,000 |
| Interest-bearing deposits | 140,526,000 | 151,416,000 | 148,214,000 | 150,933,000 |
| Noninterest-bearing deposits | 36,220,000 | 45,739,000 | 43,634,000 | 49,022,000 |
| Equity capital | 13,948,000 | 13,417,000 | 21,439,000 | 21,809,000 |
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 | 2,463,000 | 5,166,000 | 8,100,000 | 11,256,000 |
| Interest expense | 566,000 | 1,210,000 | 1,868,000 | 2,531,000 |
| Net interest income | 1,897,000 | 3,956,000 | 6,232,000 | 8,725,000 |
| Noninterest income | 175,000 | 368,000 | 550,000 | 820,000 |
| Noninterest expense | 1,618,000 | 3,297,000 | 5,051,000 | 6,968,000 |
| Provision for loan losses | 78,000 | 243,000 | 350,000 | 459,000 |
| Pretax income | 376,000 | 784,000 | 1,381,000 | 2,118,000 |
| Income tax | 145,000 | 304,000 | 538,000 | 793,000 |
| Net income | 231,000 | 480,000 | 843,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,835,000 | 14,099,000 | 21,501,000 | 21,986,000 |
| Total capital | 15,382,000 | 15,811,000 | 23,319,000 | 23,913,000 |
| Risk-weighted assets | 159,200,000 | 174,496,000 | 181,341,000 | 195,345,000 |