Call reports 2005
TOWER COMMUNITY BANK — 2005
What TOWER COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,525,000 | 62,058,000 | 63,509,000 | 62,436,000 |
| Total loans | 39,026,000 | 41,313,000 | 43,852,000 | 44,578,000 |
| Allowance for loan losses | 416,000 | 407,000 | 408,000 | 447,000 |
| Securities available for sale | 12,950,000 | 11,897,000 | 10,524,000 | 10,334,000 |
| Securities held to maturity | 1,994,000 | 2,000,000 | 2,006,000 | 2,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,246,000 | 57,596,000 | 58,908,000 | 56,890,000 |
| Interest-bearing deposits | 45,496,000 | 47,427,000 | 46,834,000 | 45,140,000 |
| Noninterest-bearing deposits | 8,750,000 | 10,169,000 | 12,074,000 | 11,750,000 |
| Equity capital | 4,056,000 | 4,246,000 | 4,363,000 | 4,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 884,000 | 1,826,000 | 2,845,000 | 3,889,000 |
| Interest expense | 193,000 | 411,000 | 638,000 | 880,000 |
| Net interest income | 691,000 | 1,415,000 | 2,207,000 | 3,009,000 |
| Noninterest income | 183,000 | 417,000 | 650,000 | 839,000 |
| Noninterest expense | 745,000 | 1,567,000 | 2,352,000 | 3,144,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 78,000 |
| Pretax income | 129,000 | 263,000 | 470,000 | 606,000 |
| Income tax | 3,000 | 3,000 | 0 | 0 |
| Net income | 126,000 | 260,000 | 470,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,232,000 | 4,366,000 | 4,501,000 | 4,617,000 |
| Total capital | 4,648,000 | 4,773,000 | 4,909,000 | 5,064,000 |
| Risk-weighted assets | 37,488,000 | 41,075,000 | 42,912,000 | 43,376,000 |