Call reports 2016
TWO RIVERS BANK — 2016
What TWO RIVERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 145,506,000 | 146,756,000 | 150,128,000 | 145,282,000 |
| Total loans | 80,183,000 | 83,637,000 | 84,697,000 | 84,954,000 |
| Allowance for loan losses | 772,000 | 840,000 | 931,000 | 872,000 |
| Securities available for sale | 51,472,000 | 50,866,000 | 50,307,000 | 46,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,844,000 | 116,134,000 | 113,238,000 | 107,909,000 |
| Interest-bearing deposits | 90,774,000 | 92,671,000 | 89,777,000 | 84,333,000 |
| Noninterest-bearing deposits | 24,070,000 | 23,463,000 | 23,461,000 | 23,576,000 |
| Equity capital | 16,442,000 | 17,960,000 | 17,462,000 | 14,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,338,000 | 2,708,000 | 4,067,000 | 5,395,000 |
| Interest expense | 235,000 | 452,000 | 680,000 | 887,000 |
| Net interest income | 1,103,000 | 2,256,000 | 3,387,000 | 4,508,000 |
| Noninterest income | 183,000 | 349,000 | 531,000 | 686,000 |
| Noninterest expense | 940,000 | 1,866,000 | 2,842,000 | 3,874,000 |
| Provision for loan losses | 90,000 | 165,000 | 265,000 | 265,000 |
| Pretax income | 460,000 | 950,000 | 1,304,000 | 1,592,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 53,000 |
| Net income | 447,000 | 924,000 | 1,265,000 | 1,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,299,000 | 16,430,000 | 16,731,000 | 16,846,000 |
| Total capital | 17,071,000 | 17,270,000 | 17,662,000 | 17,718,000 |
| Risk-weighted assets | 102,573,000 | 103,658,000 | 105,020,000 | 100,148,000 |