Call reports 2014
TOWER COMMUNITY BANK — 2014
What TOWER COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,795,000 | 138,243,000 | 134,576,000 | 134,242,000 |
| Total loans | 83,761,000 | 86,324,000 | 86,138,000 | 82,824,000 |
| Allowance for loan losses | 543,000 | 547,000 | 549,000 | 532,000 |
| Securities available for sale | 13,120,000 | 10,229,000 | 9,138,000 | 8,088,000 |
| Securities held to maturity | 15,200,000 | 16,518,000 | 16,813,000 | 15,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,412,000 | 126,865,000 | 122,873,000 | 122,668,000 |
| Interest-bearing deposits | 62,755,000 | 58,679,000 | 76,446,000 | 96,099,000 |
| Noninterest-bearing deposits | 65,656,000 | 68,186,000 | 46,426,000 | 26,569,000 |
| Equity capital | 10,989,000 | 10,984,000 | 11,269,000 | 11,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,107,000 | 4,676,000 | 6,235,000 |
| Interest expense | 140,000 | 281,000 | 421,000 | 556,000 |
| Net interest income | 1,402,000 | 2,826,000 | 4,255,000 | 5,679,000 |
| Noninterest income | 380,000 | 694,000 | 1,049,000 | 1,304,000 |
| Noninterest expense | 1,466,000 | 2,988,000 | 4,462,000 | 6,127,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 117,000 |
| Pretax income | 300,000 | 503,000 | 807,000 | 789,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 300,000 | 503,000 | 807,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,893,000 | 9,832,000 | 10,172,000 | 10,041,000 |
| Total capital | 10,436,000 | 10,379,000 | 10,721,000 | 10,573,000 |
| Risk-weighted assets | 90,962,000 | 93,179,000 | 91,414,000 | 90,601,000 |