Call reports 2006
TWO RIVER COMMUNITY BANK — 2006
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 286,907,000 | 310,864,000 | 299,090,000 | 316,940,000 |
| Total loans | 227,839,000 | 241,181,000 | 239,637,000 | 252,379,000 |
| Allowance for loan losses | 2,496,000 | 2,642,000 | 2,671,000 | 2,721,000 |
| Securities available for sale | 36,296,000 | 37,637,000 | 35,878,000 | 35,364,000 |
| Securities held to maturity | 5,840,000 | 5,838,000 | 5,837,000 | 7,632,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,805,000 | 274,844,000 | 263,570,000 | 281,693,000 |
| Interest-bearing deposits | 200,860,000 | 260,523,000 | 206,417,000 | 223,484,000 |
| Noninterest-bearing deposits | 50,945,000 | 14,321,000 | 57,153,000 | 58,209,000 |
| Equity capital | 24,196,000 | 24,557,000 | 25,435,000 | 25,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,329,000 | 9,097,000 | 14,108,000 | 19,250,000 |
| Interest expense | 1,513,000 | 3,391,000 | 5,446,000 | 7,674,000 |
| Net interest income | 2,816,000 | 5,706,000 | 8,662,000 | 11,576,000 |
| Noninterest income | 302,000 | 657,000 | 995,000 | 1,305,000 |
| Noninterest expense | 2,267,000 | 4,550,000 | 7,001,000 | 9,527,000 |
| Provision for loan losses | 116,000 | 262,000 | 291,000 | 341,000 |
| Pretax income | 735,000 | 1,551,000 | 2,365,000 | 3,013,000 |
| Income tax | 252,000 | 536,000 | 823,000 | 1,048,000 |
| Net income | 483,000 | 1,015,000 | 1,542,000 | 1,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,819,000 | 25,351,000 | 25,878,000 | 26,310,000 |
| Total capital | 27,315,000 | 27,993,000 | 28,549,000 | 29,031,000 |
| Risk-weighted assets | 247,705,000 | 263,606,000 | 260,135,000 | 275,451,000 |