Call reports 2007
TWO RIVER COMMUNITY BANK — 2007
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 339,419,000 | 325,670,000 | 312,857,000 | 319,238,000 |
| Total loans | 252,109,000 | 252,158,000 | 248,867,000 | 256,853,000 |
| Allowance for loan losses | 2,773,000 | 2,774,000 | 2,774,000 | 2,825,000 |
| Securities available for sale | 38,272,000 | 33,878,000 | 38,476,000 | 36,197,000 |
| Securities held to maturity | 6,631,000 | 6,631,000 | 7,058,000 | 7,557,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,159,000 | 285,260,000 | 272,915,000 | 270,208,000 |
| Interest-bearing deposits | 229,121,000 | 225,428,000 | 216,460,000 | 213,826,000 |
| Noninterest-bearing deposits | 71,038,000 | 59,832,000 | 56,455,000 | 56,382,000 |
| Equity capital | 26,481,000 | 26,771,000 | 27,567,000 | 27,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,260,000 | 10,644,000 | 15,995,000 | 21,161,000 |
| Interest expense | 2,367,000 | 4,712,000 | 6,990,000 | 9,178,000 |
| Net interest income | 2,893,000 | 5,932,000 | 9,005,000 | 11,983,000 |
| Noninterest income | 336,000 | 711,000 | 1,020,000 | 1,353,000 |
| Noninterest expense | 2,463,000 | 4,956,000 | 7,489,000 | 10,287,000 |
| Provision for loan losses | 52,000 | 53,000 | 53,000 | 105,000 |
| Pretax income | 714,000 | 1,634,000 | 2,483,000 | 2,944,000 |
| Income tax | 254,000 | 593,000 | 903,000 | 1,046,000 |
| Net income | 460,000 | 1,041,000 | 1,580,000 | 1,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,760,000 | 27,341,000 | 27,880,000 | 27,698,000 |
| Total capital | 29,533,000 | 30,115,000 | 30,654,000 | 30,523,000 |
| Risk-weighted assets | 280,095,000 | 277,744,000 | 272,178,000 | 278,434,000 |