Call reports 2012
TOWER COMMUNITY BANK — 2012
What TOWER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,964,000 | 72,880,000 | 71,639,000 | 129,119,000 |
| Total loans | 52,005,000 | 51,808,000 | 51,459,000 | 77,539,000 |
| Allowance for loan losses | 455,000 | 473,000 | 460,000 | 506,000 |
| Securities available for sale | 1,999,000 | 3,008,000 | 3,019,000 | 12,090,000 |
| Securities held to maturity | 2,108,000 | 2,100,000 | 2,152,000 | 2,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,117,000 | 66,749,000 | 65,484,000 | 117,632,000 |
| Interest-bearing deposits | 42,051,000 | 52,100,000 | 50,803,000 | 91,591,000 |
| Noninterest-bearing deposits | 21,065,000 | 14,649,000 | 14,681,000 | 26,041,000 |
| Equity capital | 5,210,000 | 5,488,000 | 5,560,000 | 10,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,006,000 | 2,997,000 | 4,257,000 |
| Interest expense | 133,000 | 261,000 | 393,000 | 555,000 |
| Net interest income | 867,000 | 1,745,000 | 2,604,000 | 3,702,000 |
| Noninterest income | 262,000 | 534,000 | 760,000 | 1,036,000 |
| Noninterest expense | 993,000 | 2,051,000 | 3,065,000 | 4,422,000 |
| Provision for loan losses | 56,000 | 73,000 | 86,000 | 161,000 |
| Pretax income | 81,000 | 350,000 | 407,000 | 349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 350,000 | 407,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,221,000 | 5,489,000 | 5,546,000 | 9,425,000 |
| Total capital | 5,676,000 | 5,962,000 | 6,006,000 | 9,931,000 |
| Risk-weighted assets | 53,475,000 | 53,341,000 | 53,638,000 | 83,383,000 |