Call reports 2009
TOWER COMMUNITY BANK — 2009
What TOWER COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,026,000 | 63,674,000 | 63,799,000 | 66,246,000 |
| Total loans | 46,821,000 | 47,437,000 | 47,950,000 | 49,044,000 |
| Allowance for loan losses | 388,000 | 376,000 | 361,000 | 355,000 |
| Securities available for sale | 5,649,000 | 6,045,000 | 4,228,000 | 4,226,000 |
| Securities held to maturity | 100,000 | 100,000 | 2,163,000 | 2,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,720,000 | 56,361,000 | 55,404,000 | 57,937,000 |
| Interest-bearing deposits | 33,269,000 | 32,631,000 | 44,669,000 | 45,442,000 |
| Noninterest-bearing deposits | 22,451,000 | 23,730,000 | 10,735,000 | 12,495,000 |
| Equity capital | 5,089,000 | 5,096,000 | 5,120,000 | 5,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,977,000 | 2,974,000 | 3,971,000 |
| Interest expense | 228,000 | 442,000 | 650,000 | 851,000 |
| Net interest income | 751,000 | 1,535,000 | 2,324,000 | 3,120,000 |
| Noninterest income | 253,000 | 508,000 | 799,000 | 1,058,000 |
| Noninterest expense | 949,000 | 1,851,000 | 2,765,000 | 3,717,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 97,000 |
| Pretax income | 40,000 | 162,000 | 348,000 | 400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 162,000 | 348,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,060,000 | 5,057,000 | 5,106,000 | 5,073,000 |
| Total capital | 5,448,000 | 5,433,000 | 5,467,000 | 5,428,000 |
| Risk-weighted assets | 47,820,000 | 46,818,000 | 47,343,000 | 48,608,000 |