Call reports 2011
TOWER COMMUNITY BANK — 2011
What TOWER COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 66,180,000 | 70,597,000 | 65,918,000 | 67,795,000 |
| Total loans | 49,429,000 | 48,864,000 | 49,814,000 | 50,382,000 |
| Allowance for loan losses | 402,000 | 408,000 | 424,000 | 414,000 |
| Securities available for sale | 3,967,000 | 3,503,000 | 2,016,000 | 2,012,000 |
| Securities held to maturity | 2,256,000 | 2,256,000 | 3,109,000 | 3,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,764,000 | 62,689,000 | 59,898,000 | 59,727,000 |
| Interest-bearing deposits | 38,149,000 | 43,157,000 | 41,710,000 | 48,042,000 |
| Noninterest-bearing deposits | 20,615,000 | 19,532,000 | 18,188,000 | 11,685,000 |
| Equity capital | 5,110,000 | 5,188,000 | 5,323,000 | 5,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,925,000 | 2,909,000 | 3,908,000 |
| Interest expense | 144,000 | 303,000 | 464,000 | 603,000 |
| Net interest income | 796,000 | 1,622,000 | 2,445,000 | 3,305,000 |
| Noninterest income | 293,000 | 567,000 | 845,000 | 1,158,000 |
| Noninterest expense | 976,000 | 1,944,000 | 2,917,000 | 3,926,000 |
| Provision for loan losses | 38,000 | 75,000 | 101,000 | 109,000 |
| Pretax income | 75,000 | 170,000 | 305,000 | 461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 75,000 | 170,000 | 305,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,142,000 | 5,172,000 | 5,307,000 | 5,337,000 |
| Total capital | 5,544,000 | 5,580,000 | 5,731,000 | 5,751,000 |
| Risk-weighted assets | 49,683,000 | 50,250,000 | 50,113,000 | 50,948,000 |