Call reports 2015
INVESTORS COMMUNITY BANK — 2015
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,535,000 | 69,559,000 | 68,063,000 | 68,742,000 |
| Total loans | 25,029,000 | 25,895,000 | 25,670,000 | 25,846,000 |
| Allowance for loan losses | 630,000 | 654,000 | 655,000 | 655,000 |
| Securities available for sale | 39,908,000 | 40,918,000 | 39,571,000 | 40,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,255,000 | 56,036,000 | 56,485,000 | 57,010,000 |
| Interest-bearing deposits | 46,644,000 | 47,195,000 | 47,298,000 | 47,288,000 |
| Noninterest-bearing deposits | 9,611,000 | 8,841,000 | 9,187,000 | 9,722,000 |
| Equity capital | 8,554,000 | 8,502,000 | 8,822,000 | 9,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,188,000 | 1,766,000 | 2,347,000 |
| Interest expense | 48,000 | 96,000 | 147,000 | 196,000 |
| Net interest income | 514,000 | 1,092,000 | 1,619,000 | 2,151,000 |
| Noninterest income | 63,000 | 141,000 | 226,000 | 309,000 |
| Noninterest expense | 389,000 | 765,000 | 1,171,000 | 1,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 478,000 | 684,000 | 919,000 |
| Income tax | -1,000 | 62,000 | 60,000 | 87,000 |
| Net income | 189,000 | 416,000 | 624,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,139,000 | 8,365,000 | 8,572,000 | 8,673,000 |
| Total capital | 8,503,000 | 8,743,000 | 8,936,000 | 9,042,000 |
| Risk-weighted assets | 28,866,000 | 29,975,000 | 28,880,000 | 29,201,000 |