Call reports 2019
INVESTORS COMMUNITY BANK — 2019
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 70,226,000 | 71,167,000 | 70,455,000 | 70,557,000 |
| Total loans | 28,939,000 | 27,019,000 | 26,661,000 | 26,717,000 |
| Allowance for loan losses | 650,000 | 651,000 | 652,000 | 623,000 |
| Securities available for sale | 37,629,000 | 38,552,000 | 39,507,000 | 38,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,487,000 | 61,256,000 | 60,096,000 | 58,259,000 |
| Interest-bearing deposits | 47,024,000 | 47,940,000 | 47,038,000 | 46,411,000 |
| Noninterest-bearing deposits | 13,463,000 | 13,316,000 | 13,058,000 | 11,848,000 |
| Equity capital | 9,192,000 | 9,693,000 | 10,052,000 | 10,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,260,000 | 1,893,000 | 2,518,000 |
| Interest expense | 130,000 | 271,000 | 413,000 | 549,000 |
| Net interest income | 492,000 | 989,000 | 1,480,000 | 1,969,000 |
| Noninterest income | 82,000 | 149,000 | 212,000 | 299,000 |
| Noninterest expense | 440,000 | 846,000 | 1,218,000 | 1,653,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 134,000 | 296,000 | 492,000 | 644,000 |
| Income tax | -10,000 | -14,000 | -5,000 | -9,000 |
| Net income | 144,000 | 310,000 | 497,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,009,000 | 9,175,000 | 9,362,000 | 9,518,000 |
| Total capital | 9,403,000 | 9,551,000 | 9,737,000 | 9,894,000 |
| Risk-weighted assets | 31,282,000 | 29,829,000 | 29,743,000 | 29,844,000 |