Call reports 2015
TOWER COMMUNITY BANK — 2015
What TOWER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 139,154,000 | 138,747,000 | 137,216,000 | 140,691,000 |
| Total loans | 80,143,000 | 81,012,000 | 87,666,000 | 88,359,000 |
| Allowance for loan losses | 580,000 | 588,000 | 605,000 | 636,000 |
| Securities available for sale | 17,139,000 | 17,742,000 | 20,009,000 | 18,067,000 |
| Securities held to maturity | 3,792,000 | 3,741,000 | 3,690,000 | 3,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,767,000 | 127,432,000 | 125,703,000 | 129,413,000 |
| Interest-bearing deposits | 101,290,000 | 31,000,000 | 97,693,000 | 98,832,000 |
| Noninterest-bearing deposits | 26,477,000 | 96,432,000 | 28,010,000 | 30,581,000 |
| Equity capital | 10,997,000 | 10,855,000 | 11,017,000 | 10,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,837,000 | 4,371,000 | 5,902,000 |
| Interest expense | 135,000 | 259,000 | 380,000 | 505,000 |
| Net interest income | 1,280,000 | 2,578,000 | 3,991,000 | 5,397,000 |
| Noninterest income | 331,000 | 679,000 | 1,040,000 | 1,300,000 |
| Noninterest expense | 1,476,000 | 2,965,000 | 4,465,000 | 6,025,000 |
| Provision for loan losses | 55,000 | 110,000 | 125,000 | 170,000 |
| Pretax income | 211,000 | 313,000 | 572,000 | 636,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 313,000 | 572,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,539,000 | 10,555,000 | 10,576,000 | 10,500,000 |
| Total capital | 11,119,000 | 11,143,000 | 11,181,000 | 11,136,000 |
| Risk-weighted assets | 92,348,000 | 85,176,000 | 95,146,000 | 95,834,000 |