Call reports 2012
TWO RIVER COMMUNITY BANK — 2012
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 684,857,000 | 697,741,000 | 705,079,000 | 733,870,000 |
| Total loans | 536,679,000 | 548,956,000 | 555,038,000 | 571,447,000 |
| Allowance for loan losses | 7,026,000 | 7,258,000 | 7,486,000 | 7,984,000 |
| Securities available for sale | 45,206,000 | 49,799,000 | 47,919,000 | 50,656,000 |
| Securities held to maturity | 12,216,000 | 15,335,000 | 15,729,000 | 21,586,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,037,000 | 573,067,000 | 578,952,000 | 607,969,000 |
| Interest-bearing deposits | 466,408,000 | 476,123,000 | 480,746,000 | 494,023,000 |
| Noninterest-bearing deposits | 95,629,000 | 96,944,000 | 98,206,000 | 113,946,000 |
| Equity capital | 88,256,000 | 89,498,000 | 90,778,000 | 91,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,728,000 | 15,337,000 | 23,076,000 | 30,838,000 |
| Interest expense | 1,222,000 | 2,379,000 | 3,505,000 | 4,618,000 |
| Net interest income | 6,506,000 | 12,958,000 | 19,571,000 | 26,220,000 |
| Noninterest income | 540,000 | 1,246,000 | 1,875,000 | 2,392,000 |
| Noninterest expense | 4,835,000 | 9,752,000 | 14,624,000 | 19,475,000 |
| Provision for loan losses | 350,000 | 620,000 | 950,000 | 1,380,000 |
| Pretax income | 1,861,000 | 3,784,000 | 5,792,000 | 7,795,000 |
| Income tax | 667,000 | 1,359,000 | 2,086,000 | 2,803,000 |
| Net income | 1,194,000 | 2,425,000 | 3,706,000 | 4,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,471,000 | 70,690,000 | 71,860,000 | 73,159,000 |
| Total capital | 76,497,000 | 77,948,000 | 79,339,000 | 80,773,000 |
| Risk-weighted assets | 575,022,000 | 592,373,000 | 598,338,000 | 608,777,000 |