Call reports 2008
TWO RIVERS BANK — 2008
What TWO RIVERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 118,131,000 | 119,745,000 | 126,337,000 | 134,549,000 |
| Total loans | 67,027,000 | 70,166,000 | 74,211,000 | 78,460,000 |
| Allowance for loan losses | 819,000 | 724,000 | 805,000 | 805,000 |
| Securities available for sale | 40,065,000 | 37,894,000 | 38,407,000 | 42,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,906,000 | 87,113,000 | 83,115,000 | 82,097,000 |
| Interest-bearing deposits | 70,767,000 | 75,511,000 | 69,822,000 | 68,140,000 |
| Noninterest-bearing deposits | 12,139,000 | 11,602,000 | 13,293,000 | 13,957,000 |
| Equity capital | 11,721,000 | 10,695,000 | 11,464,000 | 11,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,724,000 | 3,497,000 | 5,317,000 | 7,149,000 |
| Interest expense | 820,000 | 1,659,000 | 2,491,000 | 3,302,000 |
| Net interest income | 904,000 | 1,838,000 | 2,826,000 | 3,847,000 |
| Noninterest income | 189,000 | 379,000 | 577,000 | 731,000 |
| Noninterest expense | 667,000 | 1,333,000 | 2,026,000 | 2,963,000 |
| Provision for loan losses | 260,000 | 320,000 | 480,000 | 640,000 |
| Pretax income | 166,000 | 564,000 | 897,000 | 975,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 36,000 |
| Net income | 156,000 | 544,000 | 866,000 | 939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,578,000 | 11,612,000 | 11,933,000 | 11,851,000 |
| Total capital | 12,397,000 | 12,336,000 | 12,738,000 | 12,656,000 |
| Risk-weighted assets | 85,106,000 | 89,095,000 | 94,132,000 | 99,599,000 |