Call reports 2014
TWO RIVERS BANK — 2014
What TWO RIVERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 136,468,000 | 140,778,000 | 143,150,000 | 141,503,000 |
| Total loans | 74,995,000 | 79,147,000 | 76,409,000 | 77,686,000 |
| Allowance for loan losses | 1,157,000 | 1,172,000 | 1,069,000 | 1,080,000 |
| Securities available for sale | 47,437,000 | 46,944,000 | 51,242,000 | 50,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,833,000 | 108,438,000 | 115,456,000 | 110,498,000 |
| Interest-bearing deposits | 84,900,000 | 84,782,000 | 89,762,000 | 84,682,000 |
| Noninterest-bearing deposits | 21,933,000 | 23,656,000 | 25,694,000 | 25,816,000 |
| Equity capital | 12,610,000 | 13,621,000 | 14,526,000 | 15,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,511,000 | 3,849,000 | 5,188,000 |
| Interest expense | 201,000 | 425,000 | 650,000 | 883,000 |
| Net interest income | 1,023,000 | 2,086,000 | 3,199,000 | 4,305,000 |
| Noninterest income | 173,000 | 330,000 | 514,000 | 685,000 |
| Noninterest expense | 918,000 | 1,867,000 | 2,780,000 | 3,649,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 337,000 | 633,000 | 1,035,000 | 1,370,000 |
| Income tax | 9,000 | 18,000 | 28,000 | 49,000 |
| Net income | 328,000 | 615,000 | 1,007,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,041,000 | 14,328,000 | 14,720,000 | 15,034,000 |
| Total capital | 15,172,000 | 15,500,000 | 15,789,000 | 16,114,000 |
| Risk-weighted assets | 90,418,000 | 94,966,000 | 93,872,000 | 94,225,000 |