Call reports 2011
INVESTORS COMMUNITY BANK — 2011
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 67,656,000 | 67,792,000 | 66,739,000 | 66,972,000 |
| Total loans | 28,119,000 | 26,556,000 | 25,715,000 | 25,351,000 |
| Allowance for loan losses | 602,000 | 602,000 | 607,000 | 618,000 |
| Securities available for sale | 35,252,000 | 37,784,000 | 37,399,000 | 38,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,095,000 | 53,644,000 | 53,918,000 | 54,161,000 |
| Interest-bearing deposits | 47,905,000 | 47,372,000 | 48,161,000 | 47,289,000 |
| Noninterest-bearing deposits | 7,190,000 | 6,272,000 | 5,757,000 | 6,872,000 |
| Equity capital | 7,287,000 | 7,708,000 | 8,032,000 | 8,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,340,000 | 2,017,000 | 2,654,000 |
| Interest expense | 135,000 | 264,000 | 390,000 | 502,000 |
| Net interest income | 533,000 | 1,076,000 | 1,627,000 | 2,152,000 |
| Noninterest income | 84,000 | 173,000 | 262,000 | 356,000 |
| Noninterest expense | 421,000 | 832,000 | 1,247,000 | 1,641,000 |
| Provision for loan losses | 0 | 32,000 | 32,000 | 32,000 |
| Pretax income | 204,000 | 396,000 | 543,000 | 771,000 |
| Income tax | 10,000 | 13,000 | 62,000 | 85,000 |
| Net income | 194,000 | 383,000 | 481,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 7,120,000 | 7,218,000 | 7,398,000 |
| Total capital | 7,306,000 | 7,479,000 | 7,571,000 | 7,748,000 |
| Risk-weighted assets | 29,771,000 | 28,469,000 | 27,959,000 | 27,798,000 |