Call reports 2011
TOWER BANK & TRUST COMPANY — 2011
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 665,506,000 | 662,695,000 | 661,588,000 | 701,755,000 |
| Total loans | 489,682,000 | 490,062,000 | 473,742,000 | 467,492,000 |
| Allowance for loan losses | 11,908,000 | 12,017,000 | 10,065,000 | 9,408,000 |
| Securities available for sale | 123,514,000 | 120,794,000 | 121,165,000 | 128,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,997,000 | 552,172,000 | 570,082,000 | 606,023,000 |
| Interest-bearing deposits | 487,927,000 | 460,725,000 | 471,971,000 | 432,279,000 |
| Noninterest-bearing deposits | 92,071,000 | 91,447,000 | 98,111,000 | 173,744,000 |
| Equity capital | 71,602,000 | 73,456,000 | 75,742,000 | 79,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,276,000 | 14,611,000 | 21,853,000 | 28,894,000 |
| Interest expense | 1,434,000 | 2,847,000 | 4,200,000 | 5,322,000 |
| Net interest income | 5,842,000 | 11,764,000 | 17,653,000 | 23,572,000 |
| Noninterest income | 1,817,000 | 3,498,000 | 5,615,000 | 7,750,000 |
| Noninterest expense | 5,009,000 | 10,123,000 | 15,430,000 | 21,136,000 |
| Provision for loan losses | 1,220,000 | 2,345,000 | 3,245,000 | 4,220,000 |
| Pretax income | 1,364,000 | 3,113,000 | 5,221,000 | 6,594,000 |
| Income tax | 326,000 | 739,000 | 1,285,000 | -500,000 |
| Net income | 1,038,000 | 2,374,000 | 3,936,000 | 7,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,274,000 | 68,610,000 | 70,172,000 | 70,955,000 |
| Total capital | 73,997,000 | 75,249,000 | 76,741,000 | 77,605,000 |
| Risk-weighted assets | 532,665,000 | 525,774,000 | 522,033,000 | 529,221,000 |