Call reports 2012
TOWER BANK & TRUST COMPANY — 2012
What TOWER BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 650,685,000 | 652,706,000 | 650,660,000 | 684,679,000 |
| Total loans | 463,680,000 | 466,684,000 | 464,873,000 | 455,398,000 |
| Allowance for loan losses | 9,108,000 | 9,032,000 | 8,539,000 | 8,289,000 |
| Securities available for sale | 129,062,000 | 122,299,000 | 134,980,000 | 173,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,708,000 | 552,257,000 | 530,808,000 | 562,219,000 |
| Interest-bearing deposits | 452,205,000 | 428,358,000 | 420,190,000 | 452,860,000 |
| Noninterest-bearing deposits | 103,503,000 | 123,899,000 | 110,618,000 | 109,359,000 |
| Equity capital | 80,989,000 | 82,709,000 | 85,056,000 | 80,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,651,000 | 13,274,000 | 19,733,000 | 25,970,000 |
| Interest expense | 1,061,000 | 1,879,000 | 2,634,000 | 3,319,000 |
| Net interest income | 5,590,000 | 11,395,000 | 17,099,000 | 22,651,000 |
| Noninterest income | 2,048,000 | 4,226,000 | 6,513,000 | 8,708,000 |
| Noninterest expense | 5,138,000 | 10,074,000 | 15,068,000 | 20,589,000 |
| Provision for loan losses | 750,000 | 1,675,000 | 2,293,000 | 2,493,000 |
| Pretax income | 1,785,000 | 3,939,000 | 6,327,000 | 8,425,000 |
| Income tax | 480,000 | 1,103,000 | 1,799,000 | 1,859,000 |
| Net income | 1,305,000 | 2,836,000 | 4,528,000 | 6,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,696,000 | 74,227,000 | 75,918,000 | 72,778,000 |
| Total capital | 79,070,000 | 80,661,000 | 82,330,000 | 79,275,000 |
| Risk-weighted assets | 507,205,000 | 512,121,000 | 510,822,000 | 517,967,000 |