Call reports 2015
TWO RIVER COMMUNITY BANK — 2015
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 804,229,000 | 844,241,000 | 842,145,000 | 863,351,000 |
| Total loans | 642,735,000 | 675,896,000 | 677,493,000 | 696,200,000 |
| Allowance for loan losses | 8,082,000 | 8,295,000 | 8,429,000 | 8,713,000 |
| Securities available for sale | 43,761,000 | 37,948,000 | 35,676,000 | 33,530,000 |
| Securities held to maturity | 25,667,000 | 36,387,000 | 42,851,000 | 43,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 656,917,000 | 688,614,000 | 693,022,000 | 710,601,000 |
| Interest-bearing deposits | 513,033,000 | 544,214,000 | 538,707,000 | 563,809,000 |
| Noninterest-bearing deposits | 143,884,000 | 144,400,000 | 154,315,000 | 146,792,000 |
| Equity capital | 94,989,000 | 95,786,000 | 97,213,000 | 102,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,676,000 | 15,579,000 | 23,797,000 | 32,103,000 |
| Interest expense | 904,000 | 1,871,000 | 2,844,000 | 3,830,000 |
| Net interest income | 6,772,000 | 13,708,000 | 20,953,000 | 28,273,000 |
| Noninterest income | 761,000 | 1,687,000 | 2,623,000 | 3,607,000 |
| Noninterest expense | 5,106,000 | 10,428,000 | 15,799,000 | 21,277,000 |
| Provision for loan losses | 90,000 | 280,000 | 400,000 | 490,000 |
| Pretax income | 2,352,000 | 4,715,000 | 7,414,000 | 10,150,000 |
| Income tax | 854,000 | 1,703,000 | 2,662,000 | 3,594,000 |
| Net income | 1,498,000 | 3,012,000 | 4,752,000 | 6,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,034,000 | 78,032,000 | 79,337,000 | 84,659,000 |
| Total capital | 85,116,000 | 86,327,000 | 87,766,000 | 93,372,000 |
| Risk-weighted assets | 706,260,000 | 731,310,000 | 727,007,000 | 743,172,000 |