Call reports 2012
INTERNATIONAL CITY BANK — 2012
What INTERNATIONAL CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 148,690,000 | 142,860,000 | 143,824,000 | 139,445,000 |
| Total loans | 62,501,000 | 61,831,000 | 64,576,000 | 62,186,000 |
| Allowance for loan losses | 2,404,000 | 1,984,000 | 2,043,000 | 1,444,000 |
| Securities available for sale | 19,900,000 | 20,782,000 | 19,555,000 | 18,812,000 |
| Securities held to maturity | 15,434,000 | 15,345,000 | 15,188,000 | 15,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,995,000 | 97,573,000 | 100,410,000 | 95,760,000 |
| Interest-bearing deposits | 80,260,000 | 69,773,000 | 72,206,000 | 67,432,000 |
| Noninterest-bearing deposits | 23,735,000 | 27,800,000 | 28,204,000 | 28,328,000 |
| Equity capital | 19,004,000 | 19,792,000 | 19,824,000 | 20,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,663,000 | 4,031,000 | 5,274,000 |
| Interest expense | 211,000 | 385,000 | 529,000 | 648,000 |
| Net interest income | 1,107,000 | 2,278,000 | 3,502,000 | 4,626,000 |
| Noninterest income | 1,138,000 | 2,655,000 | 3,556,000 | 4,774,000 |
| Noninterest expense | 2,147,000 | 4,622,000 | 6,526,000 | 8,448,000 |
| Provision for loan losses | 0 | -475,000 | -475,000 | -550,000 |
| Pretax income | 98,000 | 786,000 | 1,007,000 | 1,502,000 |
| Income tax | -63,000 | 0 | 2,000 | 139,000 |
| Net income | 11,000 | 682,000 | 834,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,536,000 | 20,139,000 | 20,355,000 | 20,707,000 |
| Total capital | 20,806,000 | 21,334,000 | 21,550,000 | 21,869,000 |
| Risk-weighted assets | 100,435,000 | 94,830,000 | 94,872,000 | 92,630,000 |