Call reports 2016
INVESTORS COMMUNITY BANK — 2016
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,020,000 | 68,321,000 | 68,540,000 | 69,173,000 |
| Total loans | 26,683,000 | 25,791,000 | 26,368,000 | 25,984,000 |
| Allowance for loan losses | 656,000 | 658,000 | 640,000 | 641,000 |
| Securities available for sale | 39,285,000 | 39,660,000 | 39,380,000 | 40,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,856,000 | 57,317,000 | 58,011,000 | 57,322,000 |
| Interest-bearing deposits | 47,805,000 | 47,017,000 | 48,055,000 | 46,256,000 |
| Noninterest-bearing deposits | 10,051,000 | 10,300,000 | 9,956,000 | 11,066,000 |
| Equity capital | 8,899,000 | 9,175,000 | 9,260,000 | 8,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,146,000 | 1,705,000 | 2,261,000 |
| Interest expense | 55,000 | 106,000 | 157,000 | 205,000 |
| Net interest income | 524,000 | 1,040,000 | 1,548,000 | 2,056,000 |
| Noninterest income | 73,000 | 149,000 | 251,000 | 322,000 |
| Noninterest expense | 397,000 | 798,000 | 1,208,000 | 1,595,000 |
| Provision for loan losses | 0 | 45,000 | 45,000 | 45,000 |
| Pretax income | 207,000 | 353,000 | 553,000 | 745,000 |
| Income tax | 4,000 | -28,000 | -13,000 | -11,000 |
| Net income | 203,000 | 381,000 | 566,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,484,000 | 8,597,000 | 8,782,000 | 8,972,000 |
| Total capital | 8,858,000 | 8,964,000 | 9,158,000 | 9,352,000 |
| Risk-weighted assets | 29,501,000 | 29,066,000 | 29,795,000 | 30,176,000 |