Call reports 2019
TWO RIVERS BANK — 2019
What TWO RIVERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 141,867,000 | 143,989,000 | 142,956,000 | 141,670,000 |
| Total loans | 87,745,000 | 90,494,000 | 89,152,000 | 89,229,000 |
| Allowance for loan losses | 1,063,000 | 1,037,000 | 1,071,000 | 1,145,000 |
| Securities available for sale | 39,569,000 | 35,572,000 | 36,879,000 | 38,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,646,000 | 112,395,000 | 110,443,000 | 110,894,000 |
| Interest-bearing deposits | 84,478,000 | 85,168,000 | 83,156,000 | 81,667,000 |
| Noninterest-bearing deposits | 25,168,000 | 27,227,000 | 27,287,000 | 29,227,000 |
| Equity capital | 18,195,000 | 19,012,000 | 19,847,000 | 18,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,962,000 | 4,454,000 | 5,925,000 |
| Interest expense | 284,000 | 581,000 | 872,000 | 1,148,000 |
| Net interest income | 1,170,000 | 2,381,000 | 3,582,000 | 4,777,000 |
| Noninterest income | 174,000 | 331,000 | 513,000 | 718,000 |
| Noninterest expense | 925,000 | 1,852,000 | 2,747,000 | 3,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 419,000 | 977,000 | 1,594,000 | 1,828,000 |
| Income tax | 14,000 | 28,000 | 41,000 | 52,000 |
| Net income | 405,000 | 949,000 | 1,553,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,417,000 | 18,610,000 | 19,215,000 | 18,438,000 |
| Total capital | 19,480,000 | 19,647,000 | 20,286,000 | 19,583,000 |
| Risk-weighted assets | 105,533,000 | 103,508,000 | 98,854,000 | 99,227,000 |