Call reports 2016
INTERNATIONAL CITY BANK — 2016
What INTERNATIONAL CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 165,747,000 | 172,115,000 | 181,538,000 | 205,853,000 |
| Total loans | 105,589,000 | 105,874,000 | 110,827,000 | 110,319,000 |
| Allowance for loan losses | 1,316,000 | 1,351,000 | 1,407,000 | 1,431,000 |
| Securities available for sale | 35,228,000 | 38,071,000 | 44,064,000 | 66,144,000 |
| Securities held to maturity | 2,907,000 | 2,891,000 | 2,821,000 | 2,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,204,000 | 117,298,000 | 122,609,000 | 134,253,000 |
| Interest-bearing deposits | 67,539,000 | 80,617,000 | 75,203,000 | 79,468,000 |
| Noninterest-bearing deposits | 51,665,000 | 36,681,000 | 47,405,000 | 54,785,000 |
| Equity capital | 19,253,000 | 19,621,000 | 19,836,000 | 24,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,655,000 | 3,388,000 | 5,125,000 | 6,955,000 |
| Interest expense | 111,000 | 235,000 | 384,000 | 560,000 |
| Net interest income | 1,544,000 | 3,153,000 | 4,741,000 | 6,395,000 |
| Noninterest income | 1,280,000 | 1,907,000 | 2,531,000 | 3,834,000 |
| Noninterest expense | 1,764,000 | 3,635,000 | 5,408,000 | 7,143,000 |
| Provision for loan losses | 48,000 | 48,000 | 48,000 | 48,000 |
| Pretax income | 1,012,000 | 1,377,000 | 1,816,000 | 3,038,000 |
| Income tax | 366,000 | 473,000 | 618,000 | 830,000 |
| Net income | 646,000 | 904,000 | 1,198,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,879,000 | 19,203,000 | 19,604,000 | 20,216,000 |
| Total capital | 20,220,000 | 20,579,000 | 21,036,000 | 21,672,000 |
| Risk-weighted assets | 118,177,000 | 121,110,000 | 124,541,000 | 122,331,000 |