Call reports 2012
TWO RIVERS BANK — 2012
What TWO RIVERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 130,187,000 | 132,043,000 | 131,117,000 | 141,626,000 |
| Total loans | 69,702,000 | 74,100,000 | 68,335,000 | 75,034,000 |
| Allowance for loan losses | 1,192,000 | 1,199,000 | 1,229,000 | 1,137,000 |
| Securities available for sale | 40,513,000 | 40,382,000 | 46,854,000 | 48,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,953,000 | 102,455,000 | 105,449,000 | 105,501,000 |
| Interest-bearing deposits | 81,319,000 | 81,855,000 | 85,593,000 | 82,786,000 |
| Noninterest-bearing deposits | 20,634,000 | 20,600,000 | 19,856,000 | 22,715,000 |
| Equity capital | 13,630,000 | 13,812,000 | 14,260,000 | 13,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,508,000 | 3,708,000 | 5,004,000 |
| Interest expense | 361,000 | 701,000 | 969,000 | 1,281,000 |
| Net interest income | 860,000 | 1,807,000 | 2,739,000 | 3,723,000 |
| Noninterest income | 155,000 | 107,000 | 280,000 | 144,000 |
| Noninterest expense | 1,014,000 | 2,016,000 | 2,978,000 | 3,903,000 |
| Provision for loan losses | 61,000 | 61,000 | 61,000 | 61,000 |
| Pretax income | 100,000 | 262,000 | 541,000 | 529,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 262,000 | 541,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,969,000 | 13,131,000 | 13,409,000 | 13,310,000 |
| Total capital | 14,064,000 | 14,270,000 | 14,464,000 | 14,432,000 |
| Risk-weighted assets | 87,482,000 | 91,087,000 | 84,259,000 | 89,713,000 |