Call reports 2013
INVESTORS COMMUNITY BANK — 2013
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,579,000 | 67,547,000 | 65,188,000 | 66,698,000 |
| Total loans | 24,900,000 | 23,904,000 | 23,304,000 | 23,442,000 |
| Allowance for loan losses | 625,000 | 626,000 | 628,000 | 630,000 |
| Securities available for sale | 40,085,000 | 39,426,000 | 39,173,000 | 39,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,238,000 | 54,871,000 | 53,695,000 | 54,081,000 |
| Interest-bearing deposits | 7,992,000 | 46,766,000 | 46,688,000 | 46,742,000 |
| Noninterest-bearing deposits | 46,246,000 | 8,105,000 | 7,007,000 | 7,339,000 |
| Equity capital | 8,569,000 | 8,387,000 | 8,342,000 | 8,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,179,000 | 1,730,000 | 2,297,000 |
| Interest expense | 75,000 | 144,000 | 201,000 | 258,000 |
| Net interest income | 520,000 | 1,035,000 | 1,529,000 | 2,039,000 |
| Noninterest income | 97,000 | 305,000 | 410,000 | 498,000 |
| Noninterest expense | 396,000 | 787,000 | 1,174,000 | 1,551,000 |
| Provision for loan losses | 0 | 134,000 | 134,000 | 148,000 |
| Pretax income | 221,000 | 419,000 | 647,000 | 854,000 |
| Income tax | 23,000 | 34,000 | 71,000 | 87,000 |
| Net income | 198,000 | 385,000 | 576,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,670,000 | 7,858,000 | 8,048,000 | 8,241,000 |
| Total capital | 8,028,000 | 8,210,000 | 8,389,000 | 8,591,000 |
| Risk-weighted assets | 28,404,000 | 27,959,000 | 27,015,000 | 27,858,000 |