Call reports 2002
INVESTORS COMMUNITY BANK — 2002
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 182,829,000 | 196,060,000 | 213,148,000 | 252,916,000 |
| Total loans | 160,313,000 | 174,740,000 | 188,927,000 | 226,667,000 |
| Allowance for loan losses | 2,393,000 | 2,588,000 | 2,838,000 | 3,112,000 |
| Securities available for sale | 16,111,000 | 16,017,000 | 17,398,000 | 19,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,292,000 | 163,677,000 | 178,678,000 | 188,892,000 |
| Interest-bearing deposits | 141,987,000 | 154,244,000 | 168,840,000 | 177,525,000 |
| Noninterest-bearing deposits | 8,304,000 | 9,433,000 | 9,838,000 | 11,366,000 |
| Equity capital | 15,166,000 | 15,571,000 | 17,024,000 | 18,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,917,000 | 5,839,000 | 9,151,000 | 14,060,000 |
| Interest expense | 1,628,000 | 3,238,000 | 4,922,000 | 8,022,000 |
| Net interest income | 1,289,000 | 2,601,000 | 4,229,000 | 6,038,000 |
| Noninterest income | 209,000 | 395,000 | 812,000 | 1,194,000 |
| Noninterest expense | 767,000 | 1,556,000 | 2,513,000 | 3,377,000 |
| Provision for loan losses | 41,000 | 238,000 | 488,000 | 823,000 |
| Pretax income | 690,000 | 1,202,000 | 2,040,000 | 3,032,000 |
| Income tax | 237,000 | 403,000 | 696,000 | 1,081,000 |
| Net income | 453,000 | 799,000 | 1,344,000 | 1,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,092,000 | 15,312,000 | 16,723,000 | 18,181,000 |
| Total capital | 17,019,000 | 17,435,000 | 19,005,000 | 20,834,000 |
| Risk-weighted assets | 153,603,000 | 169,292,000 | 181,933,000 | 211,747,000 |