Call reports 2010
TOWER BANK & TRUST COMPANY — 2010
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 675,908,000 | 660,227,000 | 661,906,000 | 661,712,000 |
| Total loans | 524,468,000 | 511,319,000 | 497,349,000 | 489,055,000 |
| Allowance for loan losses | 12,150,000 | 12,718,000 | 12,016,000 | 12,489,000 |
| Securities available for sale | 85,866,000 | 89,546,000 | 106,728,000 | 110,008,000 |
| Securities held to maturity | 5,381,000 | 5,640,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,208,000 | 567,098,000 | 582,377,000 | 581,019,000 |
| Interest-bearing deposits | 470,641,000 | 479,993,000 | 488,982,000 | 483,483,000 |
| Noninterest-bearing deposits | 90,567,000 | 87,105,000 | 93,395,000 | 97,535,000 |
| Equity capital | 67,559,000 | 68,807,000 | 70,082,000 | 70,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,773,000 | 15,524,000 | 23,065,000 | 30,453,000 |
| Interest expense | 1,930,000 | 3,800,000 | 5,462,000 | 7,033,000 |
| Net interest income | 5,843,000 | 11,724,000 | 17,603,000 | 23,420,000 |
| Noninterest income | 1,728,000 | 3,514,000 | 5,342,000 | 7,227,000 |
| Noninterest expense | 4,878,000 | 10,451,000 | 15,721,000 | 20,994,000 |
| Provision for loan losses | 1,340,000 | 2,440,000 | 3,940,000 | 4,745,000 |
| Pretax income | 1,343,000 | 2,365,000 | 3,300,000 | 4,971,000 |
| Income tax | 340,000 | 562,000 | 751,000 | 1,223,000 |
| Net income | 1,003,000 | 1,803,000 | 2,549,000 | 3,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,491,000 | 64,291,000 | 65,038,000 | 66,236,000 |
| Total capital | 70,576,000 | 71,180,000 | 71,830,000 | 72,953,000 |
| Risk-weighted assets | 561,771,000 | 545,254,000 | 538,167,000 | 532,296,000 |