Two Rivers Financial Group, Inc. (TRVR)

TRVR Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	53.44	49.66	33.57	29.25	33.68
Interest Paid on Deposits	23.36	17.43	3.75	2.07	4.25
Net Interest Income	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	11.49	10.6	10.29	13.65	23.03
Total Non-Interest Income	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	41.57	42.82	41.12	40.81	65.85
Provision for Loan Losses	-0.13	0.8	-0.44	0.51	3.05
Revenue	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	30.48	33.13	30.32	28.89	36.45
Total Non-Interest Expense	30.48	33.13	30.32	28.89	36.45
EBT Excluding Unusual Items	11.22	8.9	11.24	11.41	26.35
Pretax Income	11.22	8.9	11.24	11.41	26.35
Income Tax Expense	2.89	1.81	2.94	2.22	5.9
Net Income	8.34	7.09	8.3	9.19	20.44
Net Income to Common	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
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.07%	-0.64%	-2.35%	-1.68%	-0.80%
EPS (Basic)	3.96	3.37	3.92	4.24	9.27
EPS (Diluted)	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	25.72%	20.33%	26.16%	19.42%	22.41%

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