Call reports 2003
TWO RIVERS BANK — 2003
What TWO RIVERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,278,000 | 73,891,000 | 75,548,000 | 80,652,000 |
| Total loans | 49,130,000 | 51,162,000 | 52,521,000 | 52,703,000 |
| Allowance for loan losses | 547,000 | 560,000 | 572,000 | 564,000 |
| Securities available for sale | 15,402,000 | 16,465,000 | 16,355,000 | 20,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,300,000 | 57,780,000 | 60,082,000 | 60,213,000 |
| Interest-bearing deposits | 48,659,000 | 49,660,000 | 51,734,000 | 50,417,000 |
| Noninterest-bearing deposits | 8,641,000 | 8,120,000 | 8,348,000 | 9,796,000 |
| Equity capital | 7,819,000 | 8,225,000 | 8,398,000 | 8,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,235,000 | 3,355,000 | 4,506,000 |
| Interest expense | 381,000 | 732,000 | 1,071,000 | 1,408,000 |
| Net interest income | 737,000 | 1,503,000 | 2,284,000 | 3,098,000 |
| Noninterest income | 131,000 | 271,000 | 387,000 | 526,000 |
| Noninterest expense | 490,000 | 935,000 | 1,415,000 | 2,068,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 351,000 | 767,000 | 1,139,000 | 1,344,000 |
| Income tax | 100,000 | 201,000 | 301,000 | 359,000 |
| Net income | 251,000 | 566,000 | 838,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,739,000 | 8,054,000 | 8,326,000 | 8,472,000 |
| Total capital | 8,286,000 | 8,614,000 | 8,898,000 | 9,036,000 |
| Risk-weighted assets | 53,197,000 | 55,677,000 | 56,859,000 | 58,058,000 |
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