Call reports 2014
TWO RIVER COMMUNITY BANK — 2014
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 764,917,000 | 765,679,000 | 775,494,000 | 780,828,000 |
| Total loans | 592,302,000 | 612,386,000 | 616,242,000 | 629,203,000 |
| Allowance for loan losses | 7,567,000 | 7,804,000 | 8,301,000 | 8,069,000 |
| Securities available for sale | 46,748,000 | 42,850,000 | 44,651,000 | 45,331,000 |
| Securities held to maturity | 25,608,000 | 27,076,000 | 26,903,000 | 25,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 629,144,000 | 628,003,000 | 629,222,000 | 643,896,000 |
| Interest-bearing deposits | 503,819,000 | 495,600,000 | 489,016,000 | 501,931,000 |
| Noninterest-bearing deposits | 125,325,000 | 132,403,000 | 140,206,000 | 141,965,000 |
| Equity capital | 95,748,000 | 97,009,000 | 98,488,000 | 93,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,480,000 | 15,032,000 | 22,686,000 | 30,386,000 |
| Interest expense | 871,000 | 1,737,000 | 2,588,000 | 3,452,000 |
| Net interest income | 6,609,000 | 13,295,000 | 20,098,000 | 26,934,000 |
| Noninterest income | 926,000 | 1,632,000 | 2,353,000 | 3,021,000 |
| Noninterest expense | 4,902,000 | 9,758,000 | 14,572,000 | 19,675,000 |
| Provision for loan losses | 283,000 | 521,000 | 521,000 | 621,000 |
| Pretax income | 2,350,000 | 4,648,000 | 7,377,000 | 9,746,000 |
| Income tax | 854,000 | 1,690,000 | 2,698,000 | 3,561,000 |
| Net income | 1,496,000 | 2,958,000 | 4,679,000 | 6,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,048,000 | 79,183,000 | 80,662,000 | 75,710,000 |
| Total capital | 85,615,000 | 86,987,000 | 88,963,000 | 83,779,000 |
| Risk-weighted assets | 658,954,000 | 673,060,000 | 673,220,000 | 669,563,000 |