Call reports 2016
TWO RIVERS BANK & TRUST — 2016
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 719,921,000 | 727,977,000 | 747,466,000 | 768,441,000 |
| Total loans | 572,936,000 | 585,003,000 | 595,652,000 | 585,631,000 |
| Allowance for loan losses | 7,571,000 | 7,837,000 | 8,090,000 | 7,624,000 |
| Securities available for sale | 98,374,000 | 101,115,000 | 107,090,000 | 111,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 586,886,000 | 569,054,000 | 589,374,000 | 631,080,000 |
| Interest-bearing deposits | 480,947,000 | 463,889,000 | 464,895,000 | 503,493,000 |
| Noninterest-bearing deposits | 105,939,000 | 105,165,000 | 124,479,000 | 127,587,000 |
| Equity capital | 68,324,000 | 68,782,000 | 69,980,000 | 69,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,758,000 | 13,607,000 | 20,501,000 | 27,559,000 |
| Interest expense | 579,000 | 1,202,000 | 1,859,000 | 2,597,000 |
| Net interest income | 6,179,000 | 12,405,000 | 18,642,000 | 24,962,000 |
| Noninterest income | 1,443,000 | 3,225,000 | 5,002,000 | 7,023,000 |
| Noninterest expense | 5,456,000 | 11,242,000 | 16,963,000 | 22,112,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 720,000 |
| Pretax income | 1,925,000 | 3,928,000 | 5,981,000 | 9,182,000 |
| Income tax | 634,000 | 1,295,000 | 1,977,000 | 3,083,000 |
| Net income | 1,291,000 | 2,633,000 | 4,004,000 | 6,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,486,000 | 64,631,000 | 66,005,000 | 67,103,000 |
| Total capital | 72,057,000 | 72,468,000 | 73,863,000 | 74,727,000 |
| Risk-weighted assets | 606,806,000 | 627,843,000 | 628,442,000 | 646,375,000 |