Call reports 2006
TWO RIVERS BANK — 2006
What TWO RIVERS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,437,000 | 94,773,000 | 97,956,000 | 101,762,000 |
| Total loans | 59,803,000 | 59,768,000 | 60,634,000 | 63,544,000 |
| Allowance for loan losses | 669,000 | 639,000 | 618,000 | 753,000 |
| Securities available for sale | 25,152,000 | 25,590,000 | 26,700,000 | 28,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,000,000 | 78,287,000 | 76,960,000 | 77,954,000 |
| Interest-bearing deposits | 68,776,000 | 68,179,000 | 67,264,000 | 66,787,000 |
| Noninterest-bearing deposits | 10,224,000 | 10,108,000 | 9,696,000 | 11,167,000 |
| Equity capital | 10,155,000 | 9,851,000 | 10,579,000 | 10,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 2,986,000 | 4,531,000 | 6,150,000 |
| Interest expense | 623,000 | 1,281,000 | 1,977,000 | 2,713,000 |
| Net interest income | 856,000 | 1,705,000 | 2,554,000 | 3,437,000 |
| Noninterest income | 182,000 | 323,000 | 514,000 | 686,000 |
| Noninterest expense | 606,000 | 1,213,000 | 1,796,000 | 2,633,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 330,000 |
| Pretax income | 358,000 | 696,000 | 1,117,000 | 1,140,000 |
| Income tax | 108,000 | 215,000 | 323,000 | 222,000 |
| Net income | 250,000 | 481,000 | 794,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,423,000 | 10,423,000 | 10,736,000 | 10,728,000 |
| Total capital | 11,092,000 | 11,062,000 | 11,354,000 | 11,481,000 |
| Risk-weighted assets | 69,393,000 | 71,028,000 | 71,791,000 | 74,947,000 |
Machine access — free, no API key
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