Call reports 2020
TWO RIVERS BANK & TRUST — 2020
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 852,560,000 | 941,734,000 | 931,595,000 | 1,006,186,000 |
| Total loans | 713,932,000 | 767,681,000 | 759,591,000 | 728,599,000 |
| Allowance for loan losses | 8,006,000 | 9,258,000 | 10,490,000 | 10,760,000 |
| Securities available for sale | 86,122,000 | 84,182,000 | 102,534,000 | 108,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,925,000 | 785,202,000 | 787,337,000 | 848,679,000 |
| Interest-bearing deposits | 573,784,000 | 605,374,000 | 617,112,000 | 654,207,000 |
| Noninterest-bearing deposits | 125,141,000 | 179,828,000 | 170,225,000 | 194,472,000 |
| Equity capital | 88,610,000 | 91,804,000 | 93,838,000 | 95,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,011,000 | 18,024,000 | 26,649,000 | 35,519,000 |
| Interest expense | 1,538,000 | 2,541,000 | 3,318,000 | 3,953,000 |
| Net interest income | 7,473,000 | 15,483,000 | 23,331,000 | 31,566,000 |
| Noninterest income | 2,458,000 | 4,858,000 | 7,521,000 | 10,202,000 |
| Noninterest expense | 6,427,000 | 13,067,000 | 19,703,000 | 26,692,000 |
| Provision for loan losses | 225,000 | 1,450,000 | 2,750,000 | 3,050,000 |
| Pretax income | 3,251,000 | 5,805,000 | 8,379,000 | 12,023,000 |
| Income tax | 764,000 | 1,343,000 | 1,906,000 | 2,737,000 |
| Net income | 2,487,000 | 4,462,000 | 6,473,000 | 9,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,943,000 | 81,970,000 | 84,032,000 | 85,652,000 |
| Total capital | 87,949,000 | 90,897,000 | 93,160,000 | 94,720,000 |
| Risk-weighted assets | 741,744,000 | 713,841,000 | 728,928,000 | 723,782,000 |