Call reports 2016
TWO RIVER COMMUNITY BANK — 2016
What TWO RIVER COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 881,609,000 | 884,311,000 | 908,710,000 | 939,741,000 |
| Total loans | 704,401,000 | 729,263,000 | 756,543,000 | 757,629,000 |
| Allowance for loan losses | 8,963,000 | 9,418,000 | 9,452,000 | 9,565,000 |
| Securities available for sale | 34,497,000 | 33,089,000 | 31,366,000 | 34,464,000 |
| Securities held to maturity | 45,122,000 | 47,245,000 | 46,349,000 | 57,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 729,488,000 | 728,834,000 | 741,824,000 | 778,957,000 |
| Interest-bearing deposits | 576,696,000 | 576,331,000 | 586,835,000 | 616,463,000 |
| Noninterest-bearing deposits | 152,792,000 | 152,503,000 | 154,989,000 | 162,494,000 |
| Equity capital | 103,991,000 | 105,604,000 | 107,980,000 | 110,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,338,000 | 16,877,000 | 25,654,000 | 34,624,000 |
| Interest expense | 1,045,000 | 2,152,000 | 3,296,000 | 4,508,000 |
| Net interest income | 7,293,000 | 14,725,000 | 22,358,000 | 30,116,000 |
| Noninterest income | 821,000 | 1,987,000 | 3,971,000 | 5,417,000 |
| Noninterest expense | 5,358,000 | 10,697,000 | 15,954,000 | 21,245,000 |
| Provision for loan losses | 0 | 390,000 | 860,000 | 515,000 |
| Pretax income | 2,828,000 | 5,697,000 | 9,587,000 | 13,845,000 |
| Income tax | 986,000 | 1,980,000 | 3,035,000 | 4,564,000 |
| Net income | 1,842,000 | 3,717,000 | 6,552,000 | 9,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,204,000 | 87,675,000 | 90,033,000 | 92,270,000 |
| Total capital | 95,167,000 | 97,093,000 | 99,485,000 | 101,835,000 |
| Risk-weighted assets | 759,500,000 | 775,836,000 | 798,331,000 | 803,243,000 |