Call reports 2003

TOWER COMMUNITY BANK — 2003

Name: TOWER COMMUNITY BANK — FFIEC call report 2003
Creator: TOWER COMMUNITY BANK

What TOWER COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/fdf95509-ff41-4c4f-b97b-7175031cef9d/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	54,764,000	55,180,000	55,175,000	55,739,000
Total loans	31,543,000	33,159,000	33,216,000	35,010,000
Allowance for loan losses	447,000	423,000	417,000	469,000
Securities available for sale	12,489,000	13,450,000	10,947,000	12,320,000
Securities held to maturity	303,000	269,000	1,711,000	1,500,000
Trading assets	0	0	0	0
Total deposits	50,026,000	50,239,000	50,376,000	50,626,000
Interest-bearing deposits	41,811,000	41,066,000	41,805,000	42,168,000
Noninterest-bearing deposits	8,215,000	9,173,000	8,571,000	8,458,000
Equity capital	4,650,000	4,820,000	4,749,000	4,656,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	836,000	1,659,000	2,483,000	3,323,000
Interest expense	197,000	390,000	570,000	749,000
Net interest income	639,000	1,269,000	1,913,000	2,574,000
Noninterest income	229,000	452,000	707,000	934,000
Noninterest expense	810,000	1,552,000	2,346,000	3,265,000
Provision for loan losses	-30,000	-30,000	-30,000	20,000
Pretax income	211,000	322,000	434,000	367,000
Income tax	15,000	30,000	45,000	42,000
Net income	196,000	292,000	389,000	325,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	4,507,000	4,619,000	4,715,000	4,601,000
Total capital	4,912,000	5,041,000	5,132,000	5,048,000
Risk-weighted assets	32,344,000	33,797,000	34,185,000	35,699,000