Call reports 2006
TOWER COMMUNITY BANK — 2006
What TOWER COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,280,000 | 64,222,000 | 61,476,000 | 64,119,000 |
| Total loans | 44,839,000 | 44,475,000 | 43,990,000 | 43,984,000 |
| Allowance for loan losses | 392,000 | 420,000 | 441,000 | 425,000 |
| Securities available for sale | 9,760,000 | 10,661,000 | 9,175,000 | 9,164,000 |
| Securities held to maturity | 2,018,000 | 2,024,000 | 2,030,000 | 2,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,375,000 | 59,506,000 | 55,422,000 | 58,769,000 |
| Interest-bearing deposits | 45,829,000 | 47,219,000 | 44,279,000 | 46,608,000 |
| Noninterest-bearing deposits | 12,546,000 | 12,287,000 | 11,143,000 | 12,161,000 |
| Equity capital | 4,436,000 | 4,516,000 | 4,802,000 | 5,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,148,000 | 3,291,000 | 4,450,000 |
| Interest expense | 259,000 | 536,000 | 837,000 | 1,187,000 |
| Net interest income | 785,000 | 1,612,000 | 2,454,000 | 3,263,000 |
| Noninterest income | 182,000 | 408,000 | 626,000 | 852,000 |
| Noninterest expense | 755,000 | 1,567,000 | 2,369,000 | 3,234,000 |
| Provision for loan losses | 0 | 31,000 | 56,000 | 56,000 |
| Pretax income | 204,000 | 400,000 | 630,000 | 800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 204,000 | 400,000 | 630,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,661,000 | 4,767,000 | 4,977,000 | 5,147,000 |
| Total capital | 5,053,000 | 5,187,000 | 5,418,000 | 5,572,000 |
| Risk-weighted assets | 43,906,000 | 43,794,000 | 42,672,000 | 42,869,000 |