Call reports 2010
TOWER COMMUNITY BANK — 2010
What TOWER COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 64,354,000 | 64,032,000 | 63,510,000 | 64,871,000 |
| Total loans | 48,558,000 | 47,839,000 | 47,469,000 | 48,468,000 |
| Allowance for loan losses | 394,000 | 405,000 | 377,000 | 401,000 |
| Securities available for sale | 5,239,000 | 4,160,000 | 4,093,000 | 4,003,000 |
| Securities held to maturity | 1,308,000 | 1,257,000 | 1,257,000 | 1,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,150,000 | 55,654,000 | 56,066,000 | 57,379,000 |
| Interest-bearing deposits | 30,374,000 | 30,667,000 | 42,489,000 | 40,266,000 |
| Noninterest-bearing deposits | 25,776,000 | 24,987,000 | 13,577,000 | 17,113,000 |
| Equity capital | 4,945,000 | 5,148,000 | 5,221,000 | 5,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,934,000 | 2,877,000 | 3,844,000 |
| Interest expense | 179,000 | 346,000 | 511,000 | 669,000 |
| Net interest income | 785,000 | 1,588,000 | 2,366,000 | 3,175,000 |
| Noninterest income | 230,000 | 503,000 | 785,000 | 1,090,000 |
| Noninterest expense | 897,000 | 1,838,000 | 2,789,000 | 3,821,000 |
| Provision for loan losses | 54,000 | 100,000 | 141,000 | 171,000 |
| Pretax income | 64,000 | 264,000 | 374,000 | 426,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 264,000 | 374,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,895,000 | 5,095,000 | 5,195,000 | 5,247,000 |
| Total capital | 5,289,000 | 5,500,000 | 5,572,000 | 5,648,000 |
| Risk-weighted assets | 46,752,000 | 47,917,000 | 47,280,000 | 48,448,000 |