Call reports 2013
TOWER COMMUNITY BANK — 2013
What TOWER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 137,947,000 | 129,145,000 | 132,622,000 | 132,163,000 |
| Total loans | 77,406,000 | 79,492,000 | 83,676,000 | 84,520,000 |
| Allowance for loan losses | 556,000 | 532,000 | 521,000 | 513,000 |
| Securities available for sale | 11,571,000 | 7,365,000 | 10,184,000 | 9,616,000 |
| Securities held to maturity | 4,150,000 | 13,620,000 | 14,188,000 | 14,187,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,315,000 | 116,842,000 | 113,389,000 | 120,863,000 |
| Interest-bearing deposits | 89,560,000 | 83,305,000 | 71,039,000 | 98,684,000 |
| Noninterest-bearing deposits | 36,755,000 | 33,537,000 | 42,350,000 | 22,179,000 |
| Equity capital | 10,902,000 | 10,936,000 | 10,792,000 | 10,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,408,000 | 2,871,000 | 4,447,000 | 6,040,000 |
| Interest expense | 185,000 | 335,000 | 473,000 | 614,000 |
| Net interest income | 1,223,000 | 2,536,000 | 3,974,000 | 5,426,000 |
| Noninterest income | 348,000 | 703,000 | 1,051,000 | 1,369,000 |
| Noninterest expense | 1,480,000 | 2,947,000 | 4,515,000 | 6,103,000 |
| Provision for loan losses | 75,000 | 75,000 | 95,000 | 125,000 |
| Pretax income | 16,000 | 217,000 | 426,000 | 588,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 217,000 | 426,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,475,000 | 9,712,000 | 9,659,000 | 9,857,000 |
| Total capital | 10,031,000 | 10,244,000 | 10,180,000 | 10,370,000 |
| Risk-weighted assets | 85,204,000 | 84,991,000 | 89,255,000 | 89,085,000 |