Call reports 2007
TOWER COMMUNITY BANK — 2007
What TOWER COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,524,000 | 66,711,000 | 65,238,000 | 62,968,000 |
| Total loans | 43,235,000 | 42,422,000 | 43,099,000 | 44,096,000 |
| Allowance for loan losses | 406,000 | 409,000 | 404,000 | 396,000 |
| Securities available for sale | 9,323,000 | 10,400,000 | 10,147,000 | 7,755,000 |
| Securities held to maturity | 2,242,000 | 2,248,000 | 2,254,000 | 2,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,287,000 | 61,490,000 | 59,687,000 | 57,327,000 |
| Interest-bearing deposits | 49,448,000 | 49,882,000 | 48,261,000 | 46,597,000 |
| Noninterest-bearing deposits | 10,839,000 | 11,608,000 | 11,426,000 | 10,730,000 |
| Equity capital | 4,866,000 | 4,893,000 | 5,216,000 | 5,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,300,000 | 3,527,000 | 4,690,000 |
| Interest expense | 367,000 | 758,000 | 1,154,000 | 1,529,000 |
| Net interest income | 745,000 | 1,542,000 | 2,373,000 | 3,161,000 |
| Noninterest income | 221,000 | 443,000 | 668,000 | 851,000 |
| Noninterest expense | 845,000 | 1,714,000 | 2,560,000 | 3,412,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 11,000 |
| Pretax income | 121,000 | 249,000 | 435,000 | 546,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 249,000 | 435,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,968,000 | 5,046,000 | 5,232,000 | 5,293,000 |
| Total capital | 5,374,000 | 5,455,000 | 5,636,000 | 5,689,000 |
| Risk-weighted assets | 42,719,000 | 42,886,000 | 43,525,000 | 45,218,000 |