Call reports 2001
TOWER BANK & TRUST COMPANY — 2001
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 228,111,000 | 240,735,000 | 266,529,000 | 291,974,000 |
| Total loans | 163,326,000 | 180,964,000 | 216,374,000 | 236,639,000 |
| Allowance for loan losses | 2,590,000 | 2,815,000 | 3,215,000 | 3,480,000 |
| Securities available for sale | 5,388,000 | 10,348,000 | 10,400,000 | 2,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,737,000 | 215,368,000 | 235,319,000 | 256,800,000 |
| Interest-bearing deposits | 177,194,000 | 190,242,000 | 208,076,000 | 227,770,000 |
| Noninterest-bearing deposits | 26,543,000 | 25,126,000 | 27,243,000 | 29,030,000 |
| Equity capital | 20,702,000 | 20,994,000 | 22,813,000 | 26,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,889,000 | 7,875,000 | 11,957,000 | 15,874,000 |
| Interest expense | 2,216,000 | 4,407,000 | 6,429,000 | 8,062,000 |
| Net interest income | 1,673,000 | 3,468,000 | 5,528,000 | 7,812,000 |
| Noninterest income | 339,000 | 763,000 | 1,251,000 | 1,785,000 |
| Noninterest expense | 1,460,000 | 2,977,000 | 4,593,000 | 6,461,000 |
| Provision for loan losses | 225,000 | 450,000 | 855,000 | 1,120,000 |
| Pretax income | 327,000 | 804,000 | 1,331,000 | 2,016,000 |
| Income tax | 130,000 | 321,000 | 528,000 | 800,000 |
| Net income | 197,000 | 483,000 | 803,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,702,000 | 20,994,000 | 22,813,000 | 26,461,000 |
| Total capital | 22,927,000 | 23,413,000 | 25,648,000 | 29,583,000 |
| Risk-weighted assets | 177,803,000 | 193,112,000 | 226,348,000 | 249,440,000 |