Call reports 2011
TWO RIVERS BANK — 2011
What TWO RIVERS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 131,190,000 | 126,776,000 | 125,096,000 | 129,833,000 |
| Total loans | 74,357,000 | 71,869,000 | 71,457,000 | 73,278,000 |
| Allowance for loan losses | 1,510,000 | 1,262,000 | 1,250,000 | 1,534,000 |
| Securities available for sale | 40,231,000 | 37,664,000 | 34,677,000 | 38,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,962,000 | 92,430,000 | 96,726,000 | 96,310,000 |
| Interest-bearing deposits | 77,115,000 | 76,200,000 | 78,255,000 | 75,932,000 |
| Noninterest-bearing deposits | 17,847,000 | 16,230,000 | 18,471,000 | 20,378,000 |
| Equity capital | 12,473,000 | 12,894,000 | 13,624,000 | 13,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,443,000 | 2,903,000 | 4,171,000 | 5,497,000 |
| Interest expense | 452,000 | 871,000 | 1,250,000 | 1,677,000 |
| Net interest income | 991,000 | 2,032,000 | 2,921,000 | 3,820,000 |
| Noninterest income | 175,000 | 353,000 | 565,000 | 563,000 |
| Noninterest expense | 879,000 | 1,849,000 | 2,753,000 | 3,500,000 |
| Provision for loan losses | 193,000 | 724,000 | 736,000 | 1,015,000 |
| Pretax income | 157,000 | -102,000 | 259,000 | 199,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | -102,000 | 259,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,827,000 | 12,568,000 | 12,929,000 | 12,869,000 |
| Total capital | 14,012,000 | 13,733,000 | 14,056,000 | 14,012,000 |
| Risk-weighted assets | 94,482,000 | 93,077,000 | 90,012,000 | 91,021,000 |