Call reports 2009
TOWER BANK & TRUST COMPANY — 2009
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 711,916,000 | 682,144,000 | 673,570,000 | 681,478,000 |
| Total loans | 559,493,000 | 561,043,000 | 537,462,000 | 531,176,000 |
| Allowance for loan losses | 11,498,000 | 14,105,000 | 14,905,000 | 11,598,000 |
| Securities available for sale | 69,143,000 | 75,309,000 | 77,610,000 | 85,179,000 |
| Securities held to maturity | 0 | 4,705,000 | 4,613,000 | 4,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 620,781,000 | 596,496,000 | 594,747,000 | 569,879,000 |
| Interest-bearing deposits | 544,766,000 | 489,543,000 | 494,414,000 | 473,353,000 |
| Noninterest-bearing deposits | 76,015,000 | 106,953,000 | 100,333,000 | 96,527,000 |
| Equity capital | 63,088,000 | 58,948,000 | 59,887,000 | 66,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,893,000 | 15,996,000 | 24,005,000 | 31,984,000 |
| Interest expense | 3,095,000 | 6,117,000 | 8,787,000 | 11,121,000 |
| Net interest income | 4,798,000 | 9,879,000 | 15,218,000 | 20,863,000 |
| Noninterest income | 744,000 | 1,656,000 | 2,622,000 | 3,581,000 |
| Noninterest expense | 4,100,000 | 9,798,000 | 14,533,000 | 19,319,000 |
| Provision for loan losses | 960,000 | 7,510,000 | 9,505,000 | 10,735,000 |
| Pretax income | 673,000 | -5,578,000 | -6,514,000 | -6,098,000 |
| Income tax | 46,000 | -2,301,000 | -2,669,000 | -1,702,000 |
| Net income | 627,000 | -3,277,000 | -3,845,000 | -4,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,415,000 | 58,511,000 | 57,944,000 | 62,488,000 |
| Total capital | 69,684,000 | 65,883,000 | 65,079,000 | 69,607,000 |
| Risk-weighted assets | 577,279,000 | 583,006,000 | 563,020,000 | 565,056,000 |