Call reports 2025
TWO RIVERS BANK & TRUST — 2025
What TWO RIVERS BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,191,575,000 | 1,187,416,000 | 1,147,776,000 | 1,177,313,000 |
| Total loans | 921,113,000 | 908,614,000 | 900,564,000 | 883,271,000 |
| Allowance for loan losses | 12,160,000 | 12,767,000 | 11,604,000 | 11,453,000 |
| Securities available for sale | 150,659,000 | 156,359,000 | 158,845,000 | 157,008,000 |
| Securities held to maturity | 16,289,000 | 16,276,000 | 16,262,000 | 16,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,040,829,000 | 1,036,027,000 | 988,480,000 | 1,021,221,000 |
| Interest-bearing deposits | 890,666,000 | 889,683,000 | 839,715,000 | 876,373,000 |
| Noninterest-bearing deposits | 150,163,000 | 146,344,000 | 148,765,000 | 144,848,000 |
| Equity capital | 135,816,000 | 139,042,000 | 144,149,000 | 146,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,741,000 | 27,986,000 | 42,092,000 | 56,083,000 |
| Interest expense | 5,281,000 | 10,419,000 | 15,413,000 | 20,307,000 |
| Net interest income | 8,460,000 | 17,567,000 | 26,679,000 | 35,776,000 |
| Noninterest income | 2,650,000 | 5,449,000 | 8,215,000 | 10,997,000 |
| Noninterest expense | 7,462,000 | 15,230,000 | 22,877,000 | 30,224,000 |
| Provision for loan losses | 217,000 | 902,000 | 544,000 | 465,000 |
| Pretax income | 3,441,000 | 6,869,000 | 11,032,000 | 15,937,000 |
| Income tax | 793,000 | 1,583,000 | 2,544,000 | 3,691,000 |
| Net income | 2,648,000 | 5,286,000 | 8,488,000 | 12,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,862,000 | 129,831,000 | 132,866,000 | 134,143,000 |
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