Call reports 2004
INVESTORS COMMUNITY BANK — 2004
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 252,736,000 | 266,297,000 | 274,184,000 | 287,498,000 |
| Total loans | 223,862,000 | 231,338,000 | 229,442,000 | 239,969,000 |
| Allowance for loan losses | 3,823,000 | 3,958,000 | 4,004,000 | 3,830,000 |
| Securities available for sale | 19,328,000 | 20,763,000 | 19,391,000 | 25,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,111,000 | 226,101,000 | 231,259,000 | 246,813,000 |
| Interest-bearing deposits | 199,733,000 | 206,897,000 | 213,046,000 | 229,485,000 |
| Noninterest-bearing deposits | 12,377,000 | 19,203,000 | 18,214,000 | 17,328,000 |
| Equity capital | 22,120,000 | 22,285,000 | 22,988,000 | 23,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,200,000 | 6,533,000 | 10,019,000 | 13,634,000 |
| Interest expense | 1,422,000 | 2,864,000 | 4,409,000 | 5,997,000 |
| Net interest income | 1,778,000 | 3,669,000 | 5,610,000 | 7,637,000 |
| Noninterest income | 294,000 | 559,000 | 764,000 | 1,178,000 |
| Noninterest expense | 903,000 | 1,834,000 | 2,708,000 | 3,765,000 |
| Provision for loan losses | 90,000 | 285,000 | 329,000 | 279,000 |
| Pretax income | 1,079,000 | 2,108,000 | 3,335,000 | 4,769,000 |
| Income tax | 395,000 | 769,000 | 1,252,000 | 1,845,000 |
| Net income | 684,000 | 1,339,000 | 2,083,000 | 2,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,807,000 | 22,271,000 | 22,824,000 | 23,475,000 |
| Total capital | 24,443,000 | 24,983,000 | 25,562,000 | 26,315,000 |
| Risk-weighted assets | 209,653,000 | 215,696,000 | 217,685,000 | 226,168,000 |