Call reports 2001
TOWER COMMUNITY BANK — 2001
What TOWER COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 51,205,000 | 53,668,000 | 51,685,000 | 54,685,000 |
| Total loans | 36,613,000 | 34,665,000 | 33,187,000 | 32,724,000 |
| Allowance for loan losses | 368,000 | 451,000 | 435,000 | 479,000 |
| Securities available for sale | 2,271,000 | 4,264,000 | 4,824,000 | 6,274,000 |
| Securities held to maturity | 1,496,000 | 789,000 | 694,000 | 612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,856,000 | 49,061,000 | 46,928,000 | 50,168,000 |
| Interest-bearing deposits | 39,423,000 | 41,060,000 | 39,900,000 | 40,756,000 |
| Noninterest-bearing deposits | 7,433,000 | 8,001,000 | 7,028,000 | 9,412,000 |
| Equity capital | 4,116,000 | 4,352,000 | 4,540,000 | 4,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,144,000 | 3,150,000 | 4,120,000 |
| Interest expense | 460,000 | 926,000 | 1,351,000 | 1,676,000 |
| Net interest income | 632,000 | 1,218,000 | 1,799,000 | 2,444,000 |
| Noninterest income | 171,000 | 363,000 | 536,000 | 653,000 |
| Noninterest expense | 634,000 | 1,251,000 | 1,842,000 | 2,559,000 |
| Provision for loan losses | 20,000 | 135,000 | 150,000 | 235,000 |
| Pretax income | 153,000 | 383,000 | 531,000 | 545,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 63,000 |
| Net income | 138,000 | 353,000 | 486,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,131,000 | 4,352,000 | 4,479,000 | 4,275,000 |
| Total capital | 4,499,000 | 4,761,000 | 4,876,000 | 4,678,000 |
| Risk-weighted assets | 33,614,000 | 32,707,000 | 31,734,000 | 32,172,000 |