Two Rivers Financial Group, Inc. (TRVR)

TRVR Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	55.31	53.44	49.66	33.57	29.25	33.68
Interest Paid on Deposits	22.36	23.36	17.43	3.75	2.07	4.25
Net Interest Income	32.96	30.08	32.23	29.83	27.17	29.43
Net Interest Income Growth (YoY)	-	-6.67%	8.05%	9.77%	-7.67%	7.95%
Gain (Loss) on Sale of Assets	-	-	-	1	-0.02	13.39
Other Non-Interest Income	11.58	11.49	10.6	10.29	13.65	23.03
Total Non-Interest Income	11.58	11.49	10.6	11.29	13.63	36.42
Non-Interest Income Growth (YoY)	-	8.46%	-6.18%	-17.17%	-62.56%	105.59%
Revenues Before Loan Losses	44.54	41.57	42.82	41.12	40.81	65.85
Provision for Loan Losses	1	-0.13	0.8	-0.44	0.51	3.05
Revenue	43.54	41.7	42.03	41.56	40.3	62.8
Revenue Growth (YoY)	-	-0.78%	1.13%	3.13%	-35.83%	42.16%
Other Non-Interest Expense	31.07	30.48	33.13	30.32	28.89	36.45
Total Non-Interest Expense	31.07	30.48	33.13	30.32	28.89	36.45
EBT Excluding Unusual Items	12.47	11.22	8.9	11.24	11.41	26.35
Pretax Income	12.47	11.22	8.9	11.24	11.41	26.35
Income Tax Expense	2.96	2.89	1.81	2.94	2.22	5.9
Net Income	9.51	8.34	7.09	8.3	9.19	20.44
Net Income to Common	9.51	8.34	7.09	8.3	9.19	20.44
Net Income Growth	-	17.59%	-14.58%	-9.72%	-55.03%	230.78%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-1.42%	0.07%	-0.64%	-2.35%	-1.68%	-0.80%
EPS (Basic)	4.55	3.96	3.37	3.92	4.24	9.27
EPS (Diluted)	4.55	3.96	3.37	3.92	4.24	9.27
EPS Growth	-	17.51%	-14.03%	-7.55%	-54.26%	233.45%
Dividend Per Share	-	0.700	0.680	0.680	0.680	0.660
Dividend Growth	-	2.94%	-	-	3.03%	3.13%
Effective Tax Rate	23.77%	25.72%	20.33%	26.16%	19.42%	22.41%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.