Call reports 2008
INVESTORS COMMUNITY BANK — 2008
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,682,000 | 56,093,000 | 55,979,000 | 56,384,000 |
| Total loans | 39,669,000 | 38,897,000 | 37,826,000 | 36,403,000 |
| Allowance for loan losses | 503,000 | 504,000 | 506,000 | 516,000 |
| Securities available for sale | 11,995,000 | 14,313,000 | 14,457,000 | 16,020,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,243,000 | 43,338,000 | 44,259,000 | 46,234,000 |
| Interest-bearing deposits | 42,108,000 | 39,321,000 | 4,431,000 | 5,590,000 |
| Noninterest-bearing deposits | 4,135,000 | 4,017,000 | 39,828,000 | 40,644,000 |
| Equity capital | 6,388,000 | 6,357,000 | 6,372,000 | 6,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 894,000 | 1,745,000 | 2,549,000 | 3,339,000 |
| Interest expense | 395,000 | 720,000 | 1,008,000 | 1,278,000 |
| Net interest income | 499,000 | 1,025,000 | 1,541,000 | 2,061,000 |
| Noninterest income | 102,000 | 217,000 | 314,000 | 406,000 |
| Noninterest expense | 381,000 | 790,000 | 1,149,000 | 1,553,000 |
| Provision for loan losses | 5,000 | 44,000 | 44,000 | 49,000 |
| Pretax income | 215,000 | 408,000 | 159,000 | 362,000 |
| Income tax | 53,000 | 89,000 | -64,000 | -31,000 |
| Net income | 162,000 | 319,000 | 223,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,461,000 | 6,618,000 | 6,522,000 | 6,141,000 |
| Total capital | 6,866,000 | 7,021,000 | 6,917,000 | 6,524,000 |
| Risk-weighted assets | 32,319,000 | 32,125,000 | 31,199,000 | 30,504,000 |
Machine access — free, no API key
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