Call reports 2005
TWO RIVER COMMUNITY BANK — 2005
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 248,360,000 | 258,513,000 | 259,229,000 | 268,396,000 |
| Total loans | 188,180,000 | 200,421,000 | 202,764,000 | 216,327,000 |
| Allowance for loan losses | 2,070,000 | 2,205,000 | 2,240,000 | 2,380,000 |
| Securities available for sale | 37,626,000 | 34,571,000 | 34,011,000 | 33,731,000 |
| Securities held to maturity | 3,839,000 | 4,269,000 | 4,916,000 | 5,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,319,000 | 220,831,000 | 223,664,000 | 236,449,000 |
| Interest-bearing deposits | 162,053,000 | 172,947,000 | 174,387,000 | 186,148,000 |
| Noninterest-bearing deposits | 50,266,000 | 47,884,000 | 49,277,000 | 50,301,000 |
| Equity capital | 21,966,000 | 22,848,000 | 23,304,000 | 23,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,352,000 | 6,926,000 | 10,726,000 | 14,795,000 |
| Interest expense | 786,000 | 1,737,000 | 2,795,000 | 4,055,000 |
| Net interest income | 2,566,000 | 5,189,000 | 7,931,000 | 10,740,000 |
| Noninterest income | 252,000 | 563,000 | 871,000 | 1,228,000 |
| Noninterest expense | 1,993,000 | 4,009,000 | 6,079,000 | 8,197,000 |
| Provision for loan losses | 142,000 | 278,000 | 313,000 | 453,000 |
| Pretax income | 683,000 | 1,465,000 | 2,410,000 | 3,318,000 |
| Income tax | 253,000 | 542,000 | 895,000 | 1,226,000 |
| Net income | 430,000 | 923,000 | 1,515,000 | 2,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,541,000 | 23,034,000 | 23,625,000 | 24,336,000 |
| Total capital | 24,611,000 | 25,239,000 | 25,865,000 | 26,716,000 |
| Risk-weighted assets | 207,729,000 | 218,941,000 | 221,487,000 | 234,396,000 |