Call reports 2025
TOWER COMMUNITY BANK — 2025
What TOWER COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 400,715,000 | 388,386,000 | 383,991,000 | 382,391,000 |
| Total loans | 300,941,000 | 299,048,000 | 285,366,000 | 292,959,000 |
| Allowance for loan losses | 2,821,000 | 2,848,000 | 2,904,000 | 2,988,000 |
| Securities available for sale | 38,020,000 | 41,694,000 | 39,589,000 | 41,200,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,809,000 | 343,056,000 | 337,546,000 | 336,893,000 |
| Interest-bearing deposits | 296,545,000 | 289,922,000 | 286,330,000 | 283,164,000 |
| Noninterest-bearing deposits | 55,264,000 | 53,134,000 | 51,216,000 | 53,729,000 |
| Equity capital | 38,254,000 | 39,033,000 | 39,740,000 | 39,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,917,000 | 11,950,000 | 17,827,000 | 23,757,000 |
| Interest expense | 1,983,000 | 3,934,000 | 5,845,000 | 7,716,000 |
| Net interest income | 3,934,000 | 8,016,000 | 11,982,000 | 16,041,000 |
| Noninterest income | 956,000 | 1,935,000 | 2,813,000 | 3,286,000 |
| Noninterest expense | 3,348,000 | 6,731,000 | 10,246,000 | 13,914,000 |
| Provision for loan losses | 180,000 | 287,000 | 430,000 | 595,000 |
| Pretax income | 1,360,000 | 2,797,000 | 3,946,000 | 4,630,000 |
| Income tax | 430,000 | 877,000 | 1,200,000 | 1,095,000 |
| Net income | 913,000 | 1,886,000 | 2,691,000 | 3,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,025,000 | 37,667,000 | 38,142,000 | 38,162,000 |