Call reports 2010
TWO RIVER COMMUNITY BANK — 2010
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 668,582,000 | 657,021,000 | 640,506,000 | 636,848,000 |
| Total loans | 507,958,000 | 511,514,000 | 523,214,000 | 512,994,000 |
| Allowance for loan losses | 6,884,000 | 6,689,000 | 7,077,000 | 6,246,000 |
| Securities available for sale | 32,921,000 | 31,499,000 | 30,758,000 | 34,979,000 |
| Securities held to maturity | 11,938,000 | 10,934,000 | 10,490,000 | 10,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,790,000 | 551,786,000 | 531,171,000 | 525,691,000 |
| Interest-bearing deposits | 488,479,000 | 471,052,000 | 449,873,000 | 448,073,000 |
| Noninterest-bearing deposits | 76,311,000 | 80,734,000 | 81,298,000 | 77,618,000 |
| Equity capital | 77,370,000 | 78,298,000 | 79,247,000 | 80,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,658,000 | 15,446,000 | 23,432,000 | 31,278,000 |
| Interest expense | 1,819,000 | 3,397,000 | 4,813,000 | 6,194,000 |
| Net interest income | 5,839,000 | 12,049,000 | 18,619,000 | 25,084,000 |
| Noninterest income | 480,000 | 958,000 | 1,396,000 | 1,984,000 |
| Noninterest expense | 4,613,000 | 9,264,000 | 13,695,000 | 18,348,000 |
| Provision for loan losses | 700,000 | 1,400,000 | 2,350,000 | 3,100,000 |
| Pretax income | 1,006,000 | 2,343,000 | 3,970,000 | 5,548,000 |
| Income tax | 348,000 | 818,000 | 1,356,000 | 1,846,000 |
| Net income | 658,000 | 1,525,000 | 2,614,000 | 3,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,142,000 | 59,066,000 | 60,101,000 | 61,134,000 |
| Total capital | 64,769,000 | 65,739,000 | 66,973,000 | 67,380,000 |
| Risk-weighted assets | 529,913,000 | 533,823,000 | 549,549,000 | 547,565,000 |