Call reports 2009
INVESTORS COMMUNITY BANK — 2009
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,088,000 | 56,494,000 | 58,578,000 | 59,442,000 |
| Total loans | 33,639,000 | 32,358,000 | 32,005,000 | 31,438,000 |
| Allowance for loan losses | 618,000 | 615,000 | 613,000 | 614,000 |
| Securities available for sale | 19,315,000 | 20,665,000 | 23,799,000 | 23,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,307,000 | 45,620,000 | 46,600,000 | 45,624,000 |
| Interest-bearing deposits | 40,678,000 | 41,330,000 | 42,151,000 | 41,161,000 |
| Noninterest-bearing deposits | 4,629,000 | 4,290,000 | 4,449,000 | 4,463,000 |
| Equity capital | 6,131,000 | 6,262,000 | 6,719,000 | 6,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,399,000 | 2,142,000 | 2,874,000 |
| Interest expense | 251,000 | 483,000 | 710,000 | 916,000 |
| Net interest income | 432,000 | 916,000 | 1,432,000 | 1,958,000 |
| Noninterest income | 117,000 | 270,000 | 382,000 | 487,000 |
| Noninterest expense | 392,000 | 822,000 | 1,255,000 | 1,641,000 |
| Provision for loan losses | 315,000 | 325,000 | 325,000 | 328,000 |
| Pretax income | -118,000 | 94,000 | 282,000 | 537,000 |
| Income tax | -61,000 | -20,000 | -13,000 | 33,000 |
| Net income | -57,000 | 114,000 | 295,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 6,255,000 | 6,436,000 | 6,645,000 |
| Total capital | 6,443,000 | 6,607,000 | 6,790,000 | 7,011,000 |
| Risk-weighted assets | 28,118,000 | 27,889,000 | 28,229,000 | 28,607,000 |
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