Call reports 2009
TWO RIVERS BANK — 2009
What TWO RIVERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 125,702,000 | 125,518,000 | 127,007,000 | 131,101,000 |
| Total loans | 74,592,000 | 75,984,000 | 78,159,000 | 79,704,000 |
| Allowance for loan losses | 813,000 | 586,000 | 639,000 | 1,064,000 |
| Securities available for sale | 37,736,000 | 33,312,000 | 34,301,000 | 34,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,973,000 | 87,057,000 | 88,754,000 | 87,684,000 |
| Interest-bearing deposits | 71,890,000 | 72,303,000 | 73,857,000 | 70,975,000 |
| Noninterest-bearing deposits | 14,083,000 | 14,754,000 | 14,897,000 | 16,709,000 |
| Equity capital | 12,117,000 | 11,989,000 | 13,377,000 | 12,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,493,000 | 5,197,000 | 6,884,000 |
| Interest expense | 732,000 | 1,442,000 | 2,089,000 | 2,722,000 |
| Net interest income | 1,061,000 | 2,051,000 | 3,108,000 | 4,162,000 |
| Noninterest income | 206,000 | 395,000 | 574,000 | 754,000 |
| Noninterest expense | 782,000 | 1,594,000 | 2,405,000 | 3,337,000 |
| Provision for loan losses | 305,000 | 710,000 | 1,065,000 | 1,695,000 |
| Pretax income | 327,000 | 366,000 | 481,000 | 153,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 18,000 |
| Net income | 317,000 | 346,000 | 452,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,168,000 | 11,990,000 | 12,860,000 | 12,543,000 |
| Total capital | 12,981,000 | 12,576,000 | 13,499,000 | 13,607,000 |
| Risk-weighted assets | 94,963,000 | 93,840,000 | 95,473,000 | 98,241,000 |