Call reports 2012
INVESTORS COMMUNITY BANK — 2012
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,335,000 | 68,969,000 | 68,459,000 | 67,713,000 |
| Total loans | 25,090,000 | 25,387,000 | 25,476,000 | 24,916,000 |
| Allowance for loan losses | 619,000 | 620,000 | 622,000 | 623,000 |
| Securities available for sale | 40,347,000 | 39,634,000 | 39,816,000 | 39,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,202,000 | 55,815,000 | 55,097,000 | 54,193,000 |
| Interest-bearing deposits | 47,306,000 | 48,934,000 | 47,815,000 | 46,828,000 |
| Noninterest-bearing deposits | 7,896,000 | 6,881,000 | 7,282,000 | 7,365,000 |
| Equity capital | 8,390,000 | 8,332,000 | 8,497,000 | 8,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,247,000 | 1,873,000 | 2,475,000 |
| Interest expense | 105,000 | 206,000 | 295,000 | 372,000 |
| Net interest income | 522,000 | 1,041,000 | 1,578,000 | 2,103,000 |
| Noninterest income | 82,000 | 177,000 | 280,000 | 392,000 |
| Noninterest expense | 411,000 | 823,000 | 1,217,000 | 1,615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 116,000 | 321,000 | 566,000 | 805,000 |
| Income tax | -36,000 | -26,000 | 14,000 | 51,000 |
| Net income | 152,000 | 347,000 | 552,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,521,000 | 7,415,000 | 7,620,000 | 7,822,000 |
| Total capital | 7,876,000 | 7,771,000 | 7,976,000 | 8,175,000 |
| Risk-weighted assets | 28,124,000 | 28,247,000 | 28,215,000 | 27,976,000 |