Call reports 2005
TWO RIVERS BANK & TRUST — 2005
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 56,279,000 | 81,048,000 | 104,780,000 |
| Total loans | 53,898,000 | 78,607,000 | 96,257,000 |
| Allowance for loan losses | 200,000 | 500,000 | 800,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 5,118,000 | 41,973,000 | 65,268,000 |
| Interest-bearing deposits | 3,396,000 | 40,529,000 | 63,760,000 |
| Noninterest-bearing deposits | 1,722,000 | 1,444,000 | 1,509,000 |
| Equity capital | 19,959,000 | 19,813,000 | 19,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 433,000 | 1,404,000 | 2,907,000 |
| Interest expense | 125,000 | 557,000 | 1,344,000 |
| Net interest income | 308,000 | 847,000 | 1,563,000 |
| Noninterest income | 2,000 | 83,000 | 199,000 |
| Noninterest expense | 295,000 | 846,000 | 1,578,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 |
| Pretax income | -185,000 | -416,000 | -616,000 |
| Income tax | -69,000 | -154,000 | -227,000 |
| Net income | -116,000 | -262,000 | -389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 19,802,000 | 19,656,000 | 19,529,000 |
| Total capital | 20,002,000 | 20,156,000 | 20,329,000 |
| Risk-weighted assets | 58,841,000 | 84,218,000 | 108,210,000 |
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