Call reports 2003
INVESTORS COMMUNITY BANK — 2003
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 246,464,000 | 255,664,000 | 269,704,000 | 242,283,000 |
| Total loans | 220,098,000 | 229,145,000 | 243,974,000 | 216,856,000 |
| Allowance for loan losses | 3,174,000 | 3,484,000 | 3,743,000 | 3,745,000 |
| Securities available for sale | 20,122,000 | 19,820,000 | 20,505,000 | 19,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,032,000 | 198,839,000 | 207,927,000 | 202,865,000 |
| Interest-bearing deposits | 181,939,000 | 189,711,000 | 195,740,000 | 188,886,000 |
| Noninterest-bearing deposits | 9,093,000 | 9,128,000 | 12,186,000 | 13,979,000 |
| Equity capital | 19,953,000 | 20,509,000 | 21,039,000 | 21,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,593,000 | 7,547,000 | 11,741,000 | 15,150,000 |
| Interest expense | 1,906,000 | 3,853,000 | 6,127,000 | 7,779,000 |
| Net interest income | 1,687,000 | 3,694,000 | 5,614,000 | 7,371,000 |
| Noninterest income | 417,000 | 869,000 | 1,383,000 | 1,680,000 |
| Noninterest expense | 1,014,000 | 2,087,000 | 3,076,000 | 4,135,000 |
| Provision for loan losses | 75,000 | 385,000 | 641,000 | 648,000 |
| Pretax income | 1,015,000 | 2,091,000 | 3,280,000 | 4,268,000 |
| Income tax | 366,000 | 754,000 | 1,185,000 | 1,507,000 |
| Net income | 649,000 | 1,337,000 | 2,095,000 | 2,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,680,000 | 20,217,000 | 20,824,000 | 21,315,000 |
| Total capital | 22,277,000 | 22,894,000 | 23,691,000 | 23,852,000 |
| Risk-weighted assets | 207,158,000 | 213,278,000 | 228,451,000 | 201,682,000 |