Call reports 2020
TWO RIVERS BANK — 2020
What TWO RIVERS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 141,906,000 | 152,673,000 | 144,715,000 | 138,768,000 |
| Total loans | 87,587,000 | 89,630,000 | 85,718,000 | 79,733,000 |
| Allowance for loan losses | 1,196,000 | 1,246,000 | 1,279,000 | 1,284,000 |
| Securities available for sale | 37,462,000 | 37,791,000 | 37,629,000 | 38,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,424,000 | 120,274,000 | 112,759,000 | 115,463,000 |
| Interest-bearing deposits | 82,416,000 | 87,563,000 | 82,255,000 | 83,490,000 |
| Noninterest-bearing deposits | 28,008,000 | 32,711,000 | 30,504,000 | 31,973,000 |
| Equity capital | 19,180,000 | 20,028,000 | 21,009,000 | 20,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,777,000 | 4,246,000 | 5,342,000 |
| Interest expense | 282,000 | 502,000 | 733,000 | 904,000 |
| Net interest income | 1,158,000 | 2,275,000 | 3,513,000 | 4,438,000 |
| Noninterest income | 199,000 | 429,000 | 676,000 | 968,000 |
| Noninterest expense | 913,000 | 1,831,000 | 2,702,000 | 3,964,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 150,000 |
| Pretax income | 639,000 | 1,406,000 | 1,945,000 | 1,875,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 53,000 |
| Net income | 626,000 | 1,380,000 | 1,906,000 | 1,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,064,000 | 19,243,000 | 19,769,000 | 18,485,000 |
| Total capital | 20,260,000 | 20,489,000 | 21,048,000 | 19,688,000 |
| Risk-weighted assets | 102,180,000 | 106,731,000 | 102,540,000 | 96,216,000 |