Call reports 2018
TWO RIVERS BANK — 2018
What TWO RIVERS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 139,313,000 | 142,610,000 | 142,255,000 | 140,348,000 |
| Total loans | 83,104,000 | 86,587,000 | 88,531,000 | 88,331,000 |
| Allowance for loan losses | 996,000 | 1,038,000 | 1,038,000 | 1,099,000 |
| Securities available for sale | 40,900,000 | 40,207,000 | 39,007,000 | 39,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,167,000 | 110,809,000 | 111,038,000 | 108,855,000 |
| Interest-bearing deposits | 86,075,000 | 88,055,000 | 85,778,000 | 85,435,000 |
| Noninterest-bearing deposits | 24,092,000 | 22,754,000 | 25,260,000 | 23,420,000 |
| Equity capital | 16,907,000 | 16,950,000 | 16,266,000 | 16,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,725,000 | 4,154,000 | 5,595,000 |
| Interest expense | 222,000 | 460,000 | 730,000 | 1,001,000 |
| Net interest income | 1,120,000 | 2,265,000 | 3,424,000 | 4,594,000 |
| Noninterest income | 181,000 | 368,000 | 535,000 | 722,000 |
| Noninterest expense | 907,000 | 1,865,000 | 2,806,000 | 3,747,000 |
| Provision for loan losses | 0 | 55,000 | 55,000 | 105,000 |
| Pretax income | 385,000 | 704,000 | 1,089,000 | 1,455,000 |
| Income tax | 14,000 | 27,000 | 41,000 | 51,000 |
| Net income | 371,000 | 677,000 | 1,048,000 | 1,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,348,000 | 18,340,000 | 18,171,000 | 18,012,000 |
| Total capital | 19,344,000 | 19,378,000 | 19,209,000 | 19,111,000 |
| Risk-weighted assets | 101,041,000 | 104,729,000 | 105,997,000 | 105,855,000 |