Call reports 2004
TWO RIVERS BANK — 2004
What TWO RIVERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,708,000 | 82,602,000 | 88,666,000 | 89,221,000 |
| Total loans | 52,164,000 | 55,249,000 | 57,400,000 | 57,698,000 |
| Allowance for loan losses | 613,000 | 649,000 | 699,000 | 606,000 |
| Securities available for sale | 21,595,000 | 21,120,000 | 24,668,000 | 24,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,488,000 | 66,512,000 | 63,862,000 | 67,474,000 |
| Interest-bearing deposits | 52,151,000 | 57,289,000 | 54,526,000 | 56,836,000 |
| Noninterest-bearing deposits | 9,337,000 | 9,223,000 | 9,336,000 | 10,638,000 |
| Equity capital | 8,993,000 | 8,950,000 | 9,429,000 | 9,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,299,000 | 3,510,000 | 4,768,000 |
| Interest expense | 336,000 | 684,000 | 1,040,000 | 1,409,000 |
| Net interest income | 793,000 | 1,615,000 | 2,470,000 | 3,359,000 |
| Noninterest income | 151,000 | 234,000 | 357,000 | 551,000 |
| Noninterest expense | 506,000 | 1,010,000 | 1,546,000 | 2,274,000 |
| Provision for loan losses | 50,000 | 99,000 | 149,000 | 198,000 |
| Pretax income | 388,000 | 740,000 | 1,137,000 | 1,443,000 |
| Income tax | 100,000 | 200,000 | 301,000 | 412,000 |
| Net income | 288,000 | 540,000 | 836,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,750,000 | 9,012,000 | 9,308,000 | 9,395,000 |
| Total capital | 9,363,000 | 9,661,000 | 10,007,000 | 10,001,000 |
| Risk-weighted assets | 56,740,000 | 59,383,000 | 61,994,000 | 63,043,000 |
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