Tower Bank & Trust Company

Tower Bank & Trust Company is headquartered in Fort Wayne and is the 20^th largest bank in the state of Indiana. It is also the 1,017^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 154 employees at 7 locations. Tower Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Tower Bank & Trust Company FDIC Certificate # 35040 BankRate Report View Year Established 1999 Employees 154 Primary Regulator FED Assets and Liabilities Assets $650.69 million Loans $454.57 million Deposits $555.71 million Equity Capital $80.99 million Loan Loss Allowance $9.11 million Unbacked Noncurrent Loans $15.28 million Real Estate Owned $2.88 million Historic Data - March 2011 Assets $665.51 million Equity Capital $71.60 million Loan Loss Allowance $11.91 million Unbacked Noncurrent Loans $15.79 million Real Estate Owned $4.74 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.77% Return on Equity 6.5% Interest Income $6.65 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Tower Bank & Trust Company had $18.15 million in non-current loans and owned real-estate with $90.1 million in equity and loan loss allowances on hand to cover it. This gives Tower Bank & Trust Company a Texas Ratio of 20.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tower Bank & Trust Company decreased slightly from 24.58% as of March 31, 2011 to 20.15% as of March 31, 2012, resulting in a positive change of 18.03%.This indicates that the balance sheet and financial strength for Tower Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Tower Bank & Trust Company has decreased its total deposits by -$24.29 million, resulting in -4.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tower Bank & Trust Company has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tower Bank & Trust Company has $650.68 million in assets with $90.1 million in equity, resulting in a capitalization level of 13.85%, which is excellent.

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