Call reports 2015
TWO RIVERS BANK & TRUST — 2015
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 705,243,000 | 703,934,000 | 727,760,000 | 706,900,000 |
| Total loans | 552,902,000 | 564,980,000 | 579,657,000 | 575,297,000 |
| Allowance for loan losses | 6,739,000 | 6,983,000 | 7,073,000 | 7,310,000 |
| Securities available for sale | 88,821,000 | 89,220,000 | 95,945,000 | 93,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,421,000 | 579,126,000 | 591,538,000 | 564,915,000 |
| Interest-bearing deposits | 479,355,000 | 476,689,000 | 470,024,000 | 448,640,000 |
| Noninterest-bearing deposits | 103,066,000 | 102,437,000 | 121,514,000 | 116,275,000 |
| Equity capital | 64,517,000 | 65,622,000 | 66,921,000 | 66,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,361,000 | 13,020,000 | 19,776,000 | 26,502,000 |
| Interest expense | 496,000 | 1,048,000 | 1,600,000 | 2,135,000 |
| Net interest income | 5,865,000 | 11,972,000 | 18,176,000 | 24,367,000 |
| Noninterest income | 1,395,000 | 3,058,000 | 4,639,000 | 6,194,000 |
| Noninterest expense | 4,885,000 | 10,060,000 | 15,386,000 | 20,661,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 1,060,000 |
| Pretax income | 2,135,000 | 4,506,000 | 6,725,000 | 8,970,000 |
| Income tax | 693,000 | 1,488,000 | 2,230,000 | 2,965,000 |
| Net income | 1,442,000 | 3,018,000 | 4,495,000 | 6,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,193,000 | 61,770,000 | 62,950,000 | 63,092,000 |
| Total capital | 66,932,000 | 68,753,000 | 70,023,000 | 70,402,000 |
| Risk-weighted assets | 558,573,000 | 572,492,000 | 585,838,000 | 589,663,000 |