Call reports 2005
TWO RIVERS BANK — 2005
What TWO RIVERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,568,000 | 91,951,000 | 96,151,000 | 96,755,000 |
| Total loans | 54,652,000 | 59,039,000 | 61,220,000 | 61,339,000 |
| Allowance for loan losses | 638,000 | 658,000 | 673,000 | 603,000 |
| Securities available for sale | 24,254,000 | 23,756,000 | 22,711,000 | 23,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,598,000 | 74,392,000 | 80,360,000 | 81,109,000 |
| Interest-bearing deposits | 60,853,000 | 64,846,000 | 70,836,000 | 70,834,000 |
| Noninterest-bearing deposits | 10,745,000 | 9,546,000 | 9,524,000 | 10,275,000 |
| Equity capital | 9,526,000 | 9,829,000 | 9,981,000 | 9,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,553,000 | 3,944,000 | 5,400,000 |
| Interest expense | 408,000 | 866,000 | 1,406,000 | 1,995,000 |
| Net interest income | 820,000 | 1,687,000 | 2,538,000 | 3,405,000 |
| Noninterest income | 172,000 | 323,000 | 513,000 | 694,000 |
| Noninterest expense | 599,000 | 1,084,000 | 1,732,000 | 2,493,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 349,000 | 837,000 | 1,185,000 | 1,427,000 |
| Income tax | 113,000 | 286,000 | 339,000 | 432,000 |
| Net income | 236,000 | 551,000 | 846,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,631,000 | 9,838,000 | 10,133,000 | 10,173,000 |
| Total capital | 10,269,000 | 10,496,000 | 10,806,000 | 10,776,000 |
| Risk-weighted assets | 62,635,000 | 66,818,000 | 69,814,000 | 70,439,000 |
Machine access — free, no API key
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