Call reports 2020
INTERNATIONAL CITY BANK — 2020
What INTERNATIONAL CITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 381,917,000 | 433,118,000 | 440,906,000 | 455,522,000 |
| Total loans | 128,576,000 | 162,793,000 | 160,342,000 | 159,280,000 |
| Allowance for loan losses | 1,633,000 | 1,840,000 | 1,841,000 | 1,896,000 |
| Securities available for sale | 127,145,000 | 133,945,000 | 139,103,000 | 148,573,000 |
| Securities held to maturity | 80,144,000 | 84,412,000 | 86,112,000 | 85,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,512,000 | 306,093,000 | 313,058,000 | 319,074,000 |
| Interest-bearing deposits | 216,222,000 | 196,811,000 | 219,458,000 | 243,816,000 |
| Noninterest-bearing deposits | 63,290,000 | 109,282,000 | 93,600,000 | 75,258,000 |
| Equity capital | 46,411,000 | 50,658,000 | 56,392,000 | 61,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,702,000 | 5,592,000 | 8,496,000 | 11,488,000 |
| Interest expense | 839,000 | 1,255,000 | 1,549,000 | 1,778,000 |
| Net interest income | 1,863,000 | 4,337,000 | 6,947,000 | 9,710,000 |
| Noninterest income | -2,211,000 | -2,568,000 | -1,584,000 | 1,508,000 |
| Noninterest expense | 2,410,000 | 4,746,000 | 7,101,000 | 9,567,000 |
| Provision for loan losses | 160,000 | 345,000 | 345,000 | 400,000 |
| Pretax income | -2,918,000 | -3,322,000 | -2,083,000 | 1,251,000 |
| Income tax | -920,000 | -1,229,000 | -1,106,000 | -602,000 |
| Net income | -1,998,000 | -2,093,000 | -977,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,303,000 | 31,163,000 | 35,221,000 | 37,820,000 |
| Total capital | 30,961,000 | 33,028,000 | 37,087,000 | 39,741,000 |
| Risk-weighted assets | 151,543,000 | 167,642,000 | 166,748,000 | 176,356,000 |