Call reports 2010
TWO RIVERS BANK — 2010
What TWO RIVERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 128,548,000 | 131,266,000 | 132,257,000 | 131,987,000 |
| Total loans | 74,350,000 | 74,118,000 | 69,940,000 | 75,407,000 |
| Allowance for loan losses | 1,165,000 | 1,052,000 | 1,141,000 | 1,526,000 |
| Securities available for sale | 35,706,000 | 38,985,000 | 41,245,000 | 42,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,994,000 | 94,679,000 | 95,169,000 | 89,612,000 |
| Interest-bearing deposits | 76,729,000 | 79,921,000 | 81,128,000 | 74,179,000 |
| Noninterest-bearing deposits | 15,265,000 | 14,758,000 | 14,041,000 | 15,433,000 |
| Equity capital | 13,119,000 | 13,099,000 | 13,503,000 | 12,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,583,000 | 3,113,000 | 4,662,000 | 6,092,000 |
| Interest expense | 558,000 | 1,103,000 | 1,642,000 | 2,161,000 |
| Net interest income | 1,025,000 | 2,010,000 | 3,020,000 | 3,931,000 |
| Noninterest income | 193,000 | 370,000 | 546,000 | 699,000 |
| Noninterest expense | 870,000 | 1,740,000 | 2,541,000 | 3,314,000 |
| Provision for loan losses | 275,000 | 1,004,000 | 1,151,000 | 1,602,000 |
| Pretax income | 149,000 | -229,000 | 287,000 | 127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | -229,000 | 287,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,692,000 | 12,314,000 | 12,830,000 | 12,670,000 |
| Total capital | 13,850,000 | 13,366,000 | 13,963,000 | 13,861,000 |
| Risk-weighted assets | 92,638,000 | 94,362,000 | 90,643,000 | 94,944,000 |