Call reports 2008
TWO RIVERS BANK & TRUST — 2008
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 198,639,000 | 215,220,000 | 215,403,000 | 219,498,000 |
| Total loans | 186,857,000 | 207,875,000 | 185,466,000 | 196,068,000 |
| Allowance for loan losses | 1,957,000 | 2,047,000 | 1,877,000 | 1,888,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,784,000 | 132,232,000 | 159,395,000 | 165,038,000 |
| Interest-bearing deposits | 136,684,000 | 126,227,000 | 152,375,000 | 159,498,000 |
| Noninterest-bearing deposits | 5,100,000 | 6,005,000 | 7,020,000 | 5,539,000 |
| Equity capital | 22,773,000 | 22,807,000 | 21,989,000 | 21,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,970,000 | 5,783,000 | 8,659,000 | 11,308,000 |
| Interest expense | 1,903,000 | 3,664,000 | 5,415,000 | 6,931,000 |
| Net interest income | 1,067,000 | 2,119,000 | 3,244,000 | 4,377,000 |
| Noninterest income | 15,000 | 34,000 | 58,000 | 90,000 |
| Noninterest expense | 842,000 | 1,767,000 | 2,697,000 | 3,697,000 |
| Provision for loan losses | 90,000 | 180,000 | 1,701,000 | 1,878,000 |
| Pretax income | 150,000 | 206,000 | -1,096,000 | -1,108,000 |
| Income tax | 57,000 | 79,000 | -406,000 | -409,000 |
| Net income | 93,000 | 127,000 | -690,000 | -699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,616,000 | 22,650,000 | 21,832,000 | 21,833,000 |
| Total capital | 24,573,000 | 24,697,000 | 23,709,000 | 23,721,000 |
| Risk-weighted assets | 192,630,000 | 215,545,000 | 200,689,000 | 208,618,000 |
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