Call reports 2019
TWO RIVERS BANK & TRUST — 2019
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 829,543,000 | 871,348,000 | 843,268,000 | 853,289,000 |
| Total loans | 676,857,000 | 681,044,000 | 685,746,000 | 718,998,000 |
| Allowance for loan losses | 8,390,000 | 8,332,000 | 8,318,000 | 7,804,000 |
| Securities available for sale | 112,303,000 | 109,297,000 | 97,586,000 | 85,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 700,217,000 | 735,457,000 | 694,183,000 | 706,714,000 |
| Interest-bearing deposits | 591,942,000 | 603,831,000 | 571,571,000 | 575,566,000 |
| Noninterest-bearing deposits | 108,275,000 | 131,626,000 | 122,612,000 | 131,148,000 |
| Equity capital | 82,517,000 | 84,823,000 | 85,532,000 | 85,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,847,000 | 17,825,000 | 27,006,000 | 36,024,000 |
| Interest expense | 2,111,000 | 4,195,000 | 6,189,000 | 7,797,000 |
| Net interest income | 6,736,000 | 13,630,000 | 20,817,000 | 28,227,000 |
| Noninterest income | 1,759,000 | 3,713,000 | 6,148,000 | 8,643,000 |
| Noninterest expense | 6,156,000 | 12,901,000 | 19,780,000 | 26,558,000 |
| Provision for loan losses | 225,000 | 450,000 | 525,000 | 1,255,000 |
| Pretax income | 2,136,000 | 4,015,000 | 6,681,000 | 9,086,000 |
| Income tax | 497,000 | 929,000 | 1,566,000 | 2,051,000 |
| Net income | 1,639,000 | 3,086,000 | 5,115,000 | 7,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,719,000 | 81,166,000 | 81,395,000 | 77,373,000 |
| Total capital | 88,109,000 | 89,498,000 | 89,713,000 | 85,177,000 |
| Risk-weighted assets | 702,481,000 | 691,993,000 | 698,823,000 | 738,417,000 |