Call reports 2009
TWO RIVERS BANK & TRUST — 2009
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 215,984,000 | 217,490,000 | 522,122,000 | 542,022,000 |
| Total loans | 198,250,000 | 205,009,000 | 416,082,000 | 428,146,000 |
| Allowance for loan losses | 2,013,000 | 2,138,000 | 4,795,000 | 4,919,000 |
| Securities available for sale | 0 | 0 | 62,942,000 | 70,732,000 |
| Securities held to maturity | 0 | 0 | 1,499,000 | 1,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,825,000 | 136,820,000 | 337,218,000 | 341,911,000 |
| Interest-bearing deposits | 137,872,000 | 129,499,000 | 319,393,000 | 320,525,000 |
| Noninterest-bearing deposits | 5,952,000 | 7,321,000 | 17,825,000 | 21,386,000 |
| Equity capital | 22,147,000 | 34,426,000 | 65,439,000 | 66,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,467,000 | 4,961,000 | 18,442,000 | 24,891,000 |
| Interest expense | 1,087,000 | 1,919,000 | 5,680,000 | 7,372,000 |
| Net interest income | 1,380,000 | 3,042,000 | 12,762,000 | 17,519,000 |
| Noninterest income | 23,000 | 18,000 | 3,406,000 | 4,567,000 |
| Noninterest expense | 1,011,000 | 2,096,000 | 10,710,000 | 14,324,000 |
| Provision for loan losses | 125,000 | 250,000 | 1,040,000 | 1,340,000 |
| Pretax income | 267,000 | 714,000 | 4,418,000 | 6,422,000 |
| Income tax | 100,000 | 268,000 | 1,533,000 | 2,242,000 |
| Net income | 167,000 | 446,000 | 2,885,000 | 4,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,000,000 | 34,279,000 | 60,205,000 | 61,250,000 |
| Total capital | 24,013,000 | 36,417,000 | 65,000,000 | 66,169,000 |
| Risk-weighted assets | 208,772,000 | 214,173,000 | 436,293,000 | 454,637,000 |
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