Call reports 2005
TOWER BANK & TRUST COMPANY — 2005
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 488,963,000 | 508,238,000 | 543,233,000 | 558,104,000 |
| Total loans | 414,423,000 | 429,331,000 | 443,365,000 | 450,391,000 |
| Allowance for loan losses | 5,725,000 | 5,927,000 | 5,830,000 | 5,645,000 |
| Securities available for sale | 31,969,000 | 31,130,000 | 35,721,000 | 50,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,882,000 | 431,526,000 | 469,933,000 | 471,173,000 |
| Interest-bearing deposits | 379,334,000 | 405,094,000 | 440,115,000 | 438,214,000 |
| Noninterest-bearing deposits | 22,548,000 | 26,432,000 | 29,818,000 | 32,959,000 |
| Equity capital | 46,157,000 | 47,442,000 | 48,353,000 | 49,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,224,000 | 13,085,000 | 20,677,000 | 29,055,000 |
| Interest expense | 2,111,000 | 4,586,000 | 7,644,000 | 11,132,000 |
| Net interest income | 4,113,000 | 8,499,000 | 13,033,000 | 17,923,000 |
| Noninterest income | 917,000 | 1,921,000 | 3,078,000 | 4,210,000 |
| Noninterest expense | 3,161,000 | 6,540,000 | 10,061,000 | 13,772,000 |
| Provision for loan losses | 581,000 | 1,117,000 | 1,717,000 | 2,392,000 |
| Pretax income | 1,288,000 | 2,763,000 | 4,333,000 | 5,935,000 |
| Income tax | 455,000 | 988,000 | 1,536,000 | 2,096,000 |
| Net income | 833,000 | 1,775,000 | 2,797,000 | 3,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,401,000 | 47,343,000 | 48,365,000 | 49,406,000 |
| Total capital | 51,897,000 | 53,090,000 | 54,195,000 | 55,051,000 |
| Risk-weighted assets | 439,487,000 | 459,606,000 | 480,498,000 | 487,156,000 |