Call reports 2013
TWO RIVERS BANK — 2013
What TWO RIVERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 135,619,000 | 137,065,000 | 141,830,000 | 141,234,000 |
| Total loans | 70,250,000 | 76,337,000 | 77,976,000 | 80,606,000 |
| Allowance for loan losses | 1,141,000 | 1,137,000 | 1,149,000 | 1,155,000 |
| Securities available for sale | 47,751,000 | 44,460,000 | 46,702,000 | 45,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,137,000 | 108,506,000 | 108,084,000 | 106,555,000 |
| Interest-bearing deposits | 86,840,000 | 84,272,000 | 85,848,000 | 84,112,000 |
| Noninterest-bearing deposits | 24,297,000 | 24,234,000 | 22,236,000 | 22,443,000 |
| Equity capital | 13,511,000 | 11,719,000 | 11,995,000 | 11,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,380,000 | 3,637,000 | 4,917,000 |
| Interest expense | 257,000 | 511,000 | 711,000 | 968,000 |
| Net interest income | 929,000 | 1,869,000 | 2,926,000 | 3,949,000 |
| Noninterest income | 315,000 | 495,000 | 550,000 | 707,000 |
| Noninterest expense | 934,000 | 1,876,000 | 2,845,000 | 3,735,000 |
| Provision for loan losses | 0 | 95,000 | 269,000 | 269,000 |
| Pretax income | 488,000 | 571,000 | 548,000 | 840,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 32,000 |
| Net income | 479,000 | 553,000 | 521,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,384,000 | 13,458,000 | 13,426,000 | 13,713,000 |
| Total capital | 14,451,000 | 14,595,000 | 14,575,000 | 14,868,000 |
| Risk-weighted assets | 85,254,000 | 91,039,000 | 93,038,000 | 94,277,000 |