Call reports 2012
TWO RIVERS BANK & TRUST — 2012
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 684,099,000 | 678,687,000 | 668,472,000 | 659,544,000 |
| Total loans | 439,045,000 | 430,321,000 | 430,350,000 | 438,187,000 |
| Allowance for loan losses | 8,571,000 | 9,043,000 | 9,475,000 | 9,935,000 |
| Securities available for sale | 180,782,000 | 189,884,000 | 171,106,000 | 156,191,000 |
| Securities held to maturity | 31,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,811,000 | 468,322,000 | 481,126,000 | 482,304,000 |
| Interest-bearing deposits | 410,992,000 | 398,331,000 | 380,260,000 | 378,136,000 |
| Noninterest-bearing deposits | 78,819,000 | 69,991,000 | 100,866,000 | 104,168,000 |
| Equity capital | 73,599,000 | 75,028,000 | 76,625,000 | 70,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,502,000 | 12,996,000 | 19,323,000 | 25,494,000 |
| Interest expense | 1,138,000 | 2,186,000 | 3,040,000 | 3,730,000 |
| Net interest income | 5,364,000 | 10,810,000 | 16,283,000 | 21,764,000 |
| Noninterest income | 1,611,000 | 3,015,000 | 4,514,000 | 5,961,000 |
| Noninterest expense | 4,514,000 | 8,937,000 | 13,318,000 | 17,925,000 |
| Provision for loan losses | 495,000 | 990,000 | 1,485,000 | 1,920,000 |
| Pretax income | 1,966,000 | 3,906,000 | 6,002,000 | 7,971,000 |
| Income tax | 548,000 | 1,175,000 | 1,858,000 | 2,494,000 |
| Net income | 1,418,000 | 2,731,000 | 4,144,000 | 5,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,997,000 | 67,115,000 | 68,335,000 | 63,213,000 |
| Total capital | 72,087,000 | 73,162,000 | 74,332,000 | 69,285,000 |
| Risk-weighted assets | 487,151,000 | 480,103,000 | 476,299,000 | 481,866,000 |