Call reports 2008
TWO RIVER COMMUNITY BANK — 2008
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 345,312,000 | 350,003,000 | 362,255,000 | 579,336,000 |
| Total loans | 264,538,000 | 282,648,000 | 288,105,000 | 448,780,000 |
| Allowance for loan losses | 2,910,000 | 2,938,000 | 2,992,000 | 6,815,000 |
| Securities available for sale | 35,352,000 | 34,312,000 | 32,679,000 | 55,871,000 |
| Securities held to maturity | 7,557,000 | 7,556,000 | 7,556,000 | 7,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,668,000 | 293,172,000 | 309,316,000 | 484,922,000 |
| Interest-bearing deposits | 223,362,000 | 222,720,000 | 239,274,000 | 409,721,000 |
| Noninterest-bearing deposits | 70,306,000 | 70,452,000 | 70,042,000 | 75,201,000 |
| Equity capital | 27,853,000 | 27,826,000 | 30,429,000 | 72,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,006,000 | 9,910,000 | 15,033,000 | 30,865,000 |
| Interest expense | 1,991,000 | 3,666,000 | 5,502,000 | 12,032,000 |
| Net interest income | 3,015,000 | 6,244,000 | 9,531,000 | 18,833,000 |
| Noninterest income | 317,000 | 636,000 | 1,056,000 | 1,666,000 |
| Noninterest expense | 2,637,000 | 5,648,000 | 8,311,000 | 17,172,000 |
| Provision for loan losses | 85,000 | 113,000 | 167,000 | 2,301,000 |
| Pretax income | 610,000 | 1,119,000 | 2,109,000 | 1,026,000 |
| Income tax | 197,000 | 240,000 | 718,000 | 228,000 |
| Net income | 413,000 | 879,000 | 1,391,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,725,000 | 28,191,000 | 30,703,000 | 46,140,000 |
| Total capital | 30,635,000 | 31,129,000 | 33,695,000 | 52,038,000 |
| Risk-weighted assets | 289,226,000 | 305,209,000 | 310,727,000 | 470,942,000 |