Call reports 2014
INTERNATIONAL CITY BANK — 2014
What INTERNATIONAL CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 134,749,000 | 137,669,000 | 143,409,000 | 139,833,000 |
| Total loans | 76,271,000 | 79,477,000 | 82,028,000 | 83,260,000 |
| Allowance for loan losses | 1,194,000 | 1,208,000 | 1,183,000 | 1,024,000 |
| Securities available for sale | 18,101,000 | 17,981,000 | 17,593,000 | 17,504,000 |
| Securities held to maturity | 14,173,000 | 14,107,000 | 14,040,000 | 13,899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,318,000 | 102,023,000 | 108,162,000 | 104,466,000 |
| Interest-bearing deposits | 60,596,000 | 64,040,000 | 69,025,000 | 63,806,000 |
| Noninterest-bearing deposits | 38,722,000 | 37,983,000 | 39,137,000 | 40,660,000 |
| Equity capital | 18,917,000 | 19,106,000 | 18,628,000 | 18,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 3,084,000 | 4,599,000 | 6,294,000 |
| Interest expense | 80,000 | 167,000 | 260,000 | 355,000 |
| Net interest income | 1,369,000 | 2,917,000 | 4,339,000 | 5,939,000 |
| Noninterest income | 515,000 | 1,014,000 | 1,508,000 | 2,013,000 |
| Noninterest expense | 1,749,000 | 3,423,000 | 5,153,000 | 6,954,000 |
| Provision for loan losses | -80,000 | -321,000 | -321,000 | -513,000 |
| Pretax income | 242,000 | 856,000 | 1,042,000 | 1,538,000 |
| Income tax | 46,000 | 230,000 | 263,000 | 424,000 |
| Net income | 195,000 | 625,000 | 778,000 | 1,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,679,000 | 18,904,000 | 18,623,000 | 18,815,000 |
| Total capital | 19,810,000 | 20,053,000 | 19,789,000 | 19,864,000 |
| Risk-weighted assets | 90,410,000 | 91,833,000 | 93,253,000 | 95,234,000 |