Call reports 2015
TWO RIVERS BANK — 2015
What TWO RIVERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 140,541,000 | 141,347,000 | 147,142,000 | 145,077,000 |
| Total loans | 74,266,000 | 75,547,000 | 76,009,000 | 78,982,000 |
| Allowance for loan losses | 1,107,000 | 1,233,000 | 599,000 | 682,000 |
| Securities available for sale | 51,567,000 | 52,587,000 | 52,547,000 | 52,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,833,000 | 110,607,000 | 117,419,000 | 113,168,000 |
| Interest-bearing deposits | 86,436,000 | 85,957,000 | 91,794,000 | 89,650,000 |
| Noninterest-bearing deposits | 25,397,000 | 24,650,000 | 25,625,000 | 23,518,000 |
| Equity capital | 15,707,000 | 14,197,000 | 15,334,000 | 16,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,534,000 | 3,822,000 | 5,116,000 |
| Interest expense | 206,000 | 412,000 | 625,000 | 855,000 |
| Net interest income | 1,076,000 | 2,122,000 | 3,197,000 | 4,261,000 |
| Noninterest income | 194,000 | 366,000 | 534,000 | 701,000 |
| Noninterest expense | 917,000 | 1,857,000 | 2,788,000 | 3,758,000 |
| Provision for loan losses | 0 | 125,000 | 135,000 | 210,000 |
| Pretax income | 381,000 | 728,000 | 1,057,000 | 1,298,000 |
| Income tax | 13,000 | 26,000 | 38,000 | 50,000 |
| Net income | 368,000 | 702,000 | 1,019,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,294,000 | 15,422,000 | 15,740,000 | 15,969,000 |
| Total capital | 16,401,000 | 16,602,000 | 16,339,000 | 16,651,000 |
| Risk-weighted assets | 93,116,000 | 94,385,000 | 97,720,000 | 101,558,000 |