Call reports 2007
TWO RIVERS BANK — 2007
What TWO RIVERS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 100,930,000 | 104,251,000 | 104,357,000 | 107,810,000 |
| Total loans | 62,274,000 | 66,444,000 | 68,109,000 | 68,630,000 |
| Allowance for loan losses | 802,000 | 612,000 | 746,000 | 814,000 |
| Securities available for sale | 28,372,000 | 28,769,000 | 27,281,000 | 28,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,248,000 | 82,934,000 | 81,622,000 | 79,470,000 |
| Interest-bearing deposits | 70,719,000 | 72,008,000 | 70,867,000 | 67,017,000 |
| Noninterest-bearing deposits | 10,529,000 | 10,926,000 | 10,755,000 | 12,453,000 |
| Equity capital | 10,914,000 | 10,740,000 | 11,174,000 | 11,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,292,000 | 5,072,000 | 6,789,000 |
| Interest expense | 774,000 | 1,579,000 | 2,419,000 | 3,296,000 |
| Net interest income | 811,000 | 1,713,000 | 2,653,000 | 3,493,000 |
| Noninterest income | 168,000 | 342,000 | 516,000 | 700,000 |
| Noninterest expense | 625,000 | 1,233,000 | 1,864,000 | 2,680,000 |
| Provision for loan losses | 45,000 | 90,000 | 235,000 | 380,000 |
| Pretax income | 309,000 | 719,000 | 1,057,000 | 1,108,000 |
| Income tax | 10,000 | 180,000 | 182,000 | 192,000 |
| Net income | 299,000 | 539,000 | 875,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,027,000 | 11,112,000 | 11,537,000 | 11,423,000 |
| Total capital | 11,829,000 | 11,724,000 | 12,283,000 | 12,237,000 |
| Risk-weighted assets | 74,237,000 | 79,100,000 | 81,040,000 | 83,296,000 |