Call reports 2004
INTERNATIONAL CITY BANK — 2004
What INTERNATIONAL CITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 184,879,000 | 193,561,000 | 208,238,000 | 211,365,000 |
| Total loans | 119,233,000 | 125,072,000 | 122,331,000 | 135,653,000 |
| Allowance for loan losses | 1,496,000 | 1,576,000 | 1,672,000 | 1,828,000 |
| Securities available for sale | 40,305,000 | 39,637,000 | 34,157,000 | 34,162,000 |
| Securities held to maturity | 1,247,000 | 1,247,000 | 11,679,000 | 11,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,724,000 | 118,989,000 | 131,503,000 | 131,394,000 |
| Interest-bearing deposits | 92,251,000 | 93,324,000 | 101,923,000 | 103,642,000 |
| Noninterest-bearing deposits | 25,473,000 | 25,665,000 | 29,580,000 | 27,752,000 |
| Equity capital | 21,750,000 | 25,008,000 | 27,277,000 | 27,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,809,000 | 5,817,000 | 8,816,000 | 12,093,000 |
| Interest expense | 750,000 | 1,548,000 | 2,416,000 | 3,294,000 |
| Net interest income | 2,059,000 | 4,269,000 | 6,400,000 | 8,799,000 |
| Noninterest income | 5,471,000 | 11,107,000 | 15,751,000 | 16,279,000 |
| Noninterest expense | 1,462,000 | 3,182,000 | 4,787,000 | 6,692,000 |
| Provision for loan losses | 144,000 | 140,000 | 384,000 | 549,000 |
| Pretax income | 5,924,000 | 12,054,000 | 16,980,000 | 17,837,000 |
| Income tax | 2,429,000 | 4,942,000 | 6,962,000 | 7,340,000 |
| Net income | 3,495,000 | 7,112,000 | 10,018,000 | 10,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,333,000 | 23,926,000 | 26,252,000 | 26,313,000 |
| Total capital | 21,896,000 | 25,572,000 | 27,991,000 | 28,213,000 |
| Risk-weighted assets | 130,121,000 | 141,826,000 | 145,732,000 | 156,826,000 |
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