Call reports 2013
TWO RIVERS BANK & TRUST — 2013
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 636,989,000 | 610,786,000 | 636,103,000 | 646,851,000 |
| Total loans | 438,968,000 | 449,434,000 | 479,574,000 | 499,029,000 |
| Allowance for loan losses | 10,057,000 | 10,354,000 | 9,315,000 | 9,553,000 |
| Securities available for sale | 147,831,000 | 128,503,000 | 118,806,000 | 111,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,942,000 | 464,580,000 | 456,252,000 | 438,029,000 |
| Interest-bearing deposits | 398,371,000 | 381,910,000 | 375,518,000 | 350,589,000 |
| Noninterest-bearing deposits | 83,571,000 | 82,670,000 | 80,734,000 | 87,440,000 |
| Equity capital | 71,363,000 | 70,094,000 | 54,503,000 | 54,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,047,000 | 12,189,000 | 18,321,000 | 24,590,000 |
| Interest expense | 564,000 | 1,127,000 | 1,664,000 | 2,198,000 |
| Net interest income | 5,483,000 | 11,062,000 | 16,657,000 | 22,392,000 |
| Noninterest income | 1,351,000 | 3,028,000 | 4,582,000 | 5,916,000 |
| Noninterest expense | 4,671,000 | 9,263,000 | 14,011,000 | 18,798,000 |
| Provision for loan losses | 300,000 | 339,000 | 639,000 | 939,000 |
| Pretax income | 1,863,000 | 4,555,000 | 6,656,000 | 8,668,000 |
| Income tax | 583,000 | 1,479,000 | 2,168,000 | 2,824,000 |
| Net income | 1,280,000 | 3,076,000 | 4,488,000 | 5,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,147,000 | 64,624,000 | 48,611,000 | 48,701,000 |
| Total capital | 70,205,000 | 70,604,000 | 54,828,000 | 55,097,000 |
| Risk-weighted assets | 480,678,000 | 473,988,000 | 494,289,000 | 508,505,000 |