Call reports 2004
TOWER BANK & TRUST COMPANY — 2004
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 445,900,000 | 474,299,000 | 478,712,000 | 481,966,000 |
| Total loans | 382,941,000 | 381,690,000 | 395,882,000 | 400,510,000 |
| Allowance for loan losses | 5,368,000 | 5,181,000 | 5,707,000 | 5,608,000 |
| Securities available for sale | 28,287,000 | 40,170,000 | 43,583,000 | 35,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,287,000 | 407,153,000 | 408,499,000 | 388,739,000 |
| Interest-bearing deposits | 322,684,000 | 338,831,000 | 343,580,000 | 328,579,000 |
| Noninterest-bearing deposits | 54,603,000 | 68,322,000 | 64,919,000 | 60,160,000 |
| Equity capital | 38,417,000 | 38,158,000 | 39,638,000 | 45,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,749,000 | 9,654,000 | 15,053,000 | 20,965,000 |
| Interest expense | 1,399,000 | 2,932,000 | 4,576,000 | 6,324,000 |
| Net interest income | 3,350,000 | 6,722,000 | 10,477,000 | 14,641,000 |
| Noninterest income | 787,000 | 1,600,000 | 2,435,000 | 4,113,000 |
| Noninterest expense | 2,728,000 | 5,761,000 | 8,624,000 | 11,921,000 |
| Provision for loan losses | 500,000 | 810,000 | 1,465,000 | 2,360,000 |
| Pretax income | 909,000 | 1,754,000 | 2,841,000 | 4,627,000 |
| Income tax | 333,000 | 624,000 | 1,006,000 | 1,665,000 |
| Net income | 576,000 | 1,130,000 | 1,835,000 | 2,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,183,000 | 38,736,000 | 39,441,000 | 45,568,000 |
| Total capital | 43,145,000 | 43,815,000 | 44,656,000 | 50,887,000 |
| Risk-weighted assets | 396,551,000 | 406,228,000 | 416,689,000 | 425,195,000 |