Call reports 2015
INTERNATIONAL CITY BANK — 2015
What INTERNATIONAL CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 139,997,000 | 134,439,000 | 140,797,000 | 162,894,000 |
| Total loans | 84,128,000 | 87,412,000 | 99,094,000 | 102,003,000 |
| Allowance for loan losses | 1,042,000 | 1,020,000 | 1,159,000 | 1,146,000 |
| Securities available for sale | 17,402,000 | 11,631,000 | 16,062,000 | 32,391,000 |
| Securities held to maturity | 13,799,000 | 3,198,000 | 3,048,000 | 3,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,493,000 | 107,681,000 | 98,939,000 | 128,650,000 |
| Interest-bearing deposits | 61,472,000 | 70,682,000 | 64,782,000 | 74,632,000 |
| Noninterest-bearing deposits | 37,021,000 | 36,999,000 | 34,157,000 | 54,018,000 |
| Equity capital | 18,571,000 | 19,027,000 | 19,156,000 | 19,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 3,056,000 | 4,521,000 | 6,036,000 |
| Interest expense | 97,000 | 198,000 | 289,000 | 383,000 |
| Net interest income | 1,398,000 | 2,858,000 | 4,232,000 | 5,653,000 |
| Noninterest income | 530,000 | 1,675,000 | 2,963,000 | 3,647,000 |
| Noninterest expense | 1,784,000 | 3,646,000 | 5,359,000 | 7,193,000 |
| Provision for loan losses | 0 | -115,000 | 15,000 | -770,000 |
| Pretax income | 144,000 | 1,002,000 | 1,821,000 | 2,877,000 |
| Income tax | 16,000 | 313,000 | 598,000 | 980,000 |
| Net income | 128,000 | 689,000 | 1,223,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,232,000 | 18,415,000 | 18,698,000 | 18,937,000 |
| Total capital | 19,299,000 | 19,460,000 | 19,882,000 | 20,108,000 |
| Risk-weighted assets | 103,228,000 | 103,693,000 | 113,235,000 | 115,553,000 |