Call reports 2009
TWO RIVER COMMUNITY BANK — 2009
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 623,592,000 | 632,742,000 | 626,452,000 | 644,170,000 |
| Total loans | 462,466,000 | 492,099,000 | 506,500,000 | 513,399,000 |
| Allowance for loan losses | 6,735,000 | 7,090,000 | 7,385,000 | 6,184,000 |
| Securities available for sale | 45,927,000 | 50,147,000 | 39,537,000 | 36,550,000 |
| Securities held to maturity | 9,121,000 | 11,086,000 | 12,078,000 | 10,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,910,000 | 523,605,000 | 522,037,000 | 539,382,000 |
| Interest-bearing deposits | 446,916,000 | 445,385,000 | 446,298,000 | 465,429,000 |
| Noninterest-bearing deposits | 70,994,000 | 78,220,000 | 75,739,000 | 73,953,000 |
| Equity capital | 81,691,000 | 82,032,000 | 76,149,000 | 76,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,154,000 | 14,546,000 | 22,343,000 | 30,182,000 |
| Interest expense | 2,614,000 | 4,880,000 | 6,910,000 | 8,857,000 |
| Net interest income | 4,540,000 | 9,666,000 | 15,433,000 | 21,325,000 |
| Noninterest income | 387,000 | 828,000 | 1,248,000 | 1,702,000 |
| Noninterest expense | 4,384,000 | 9,286,000 | 20,581,000 | 24,987,000 |
| Provision for loan losses | 150,000 | 506,000 | 1,180,000 | 2,205,000 |
| Pretax income | 880,000 | 1,189,000 | -4,728,000 | -3,618,000 |
| Income tax | 311,000 | 391,000 | 673,000 | 1,108,000 |
| Net income | 569,000 | 798,000 | -5,401,000 | -4,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,787,000 | 56,082,000 | 56,675,000 | 57,417,000 |
| Total capital | 61,971,000 | 62,619,000 | 63,337,000 | 63,601,000 |
| Risk-weighted assets | 496,686,000 | 522,674,000 | 532,265,000 | 544,483,000 |