Call reports 2013
TWO RIVER COMMUNITY BANK — 2013
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 735,643,000 | 735,580,000 | 757,112,000 | 769,594,000 |
| Total loans | 578,916,000 | 579,563,000 | 587,875,000 | 602,816,000 |
| Allowance for loan losses | 8,195,000 | 8,205,000 | 8,336,000 | 7,872,000 |
| Securities available for sale | 49,532,000 | 52,740,000 | 52,660,000 | 44,993,000 |
| Securities held to maturity | 20,182,000 | 21,799,000 | 27,399,000 | 28,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,232,000 | 606,193,000 | 627,188,000 | 634,902,000 |
| Interest-bearing deposits | 484,177,000 | 487,686,000 | 496,129,000 | 504,270,000 |
| Noninterest-bearing deposits | 121,055,000 | 118,507,000 | 131,059,000 | 130,632,000 |
| Equity capital | 92,674,000 | 93,230,000 | 94,346,000 | 95,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,528,000 | 15,176,000 | 22,649,000 | 30,316,000 |
| Interest expense | 1,030,000 | 1,972,000 | 2,890,000 | 3,799,000 |
| Net interest income | 6,498,000 | 13,204,000 | 19,759,000 | 26,517,000 |
| Noninterest income | 667,000 | 1,235,000 | 1,921,000 | 2,476,000 |
| Noninterest expense | 5,254,000 | 10,335,000 | 15,099,000 | 20,014,000 |
| Provision for loan losses | 180,000 | 460,000 | 710,000 | 910,000 |
| Pretax income | 1,884,000 | 3,797,000 | 6,024,000 | 8,286,000 |
| Income tax | 675,000 | 1,357,000 | 2,165,000 | 2,971,000 |
| Net income | 1,209,000 | 2,440,000 | 3,859,000 | 5,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,156,000 | 75,298,000 | 76,610,000 | 77,412,000 |
| Total capital | 81,861,000 | 83,024,000 | 84,511,000 | 85,284,000 |
| Risk-weighted assets | 615,917,000 | 617,609,000 | 631,618,000 | 648,573,000 |