Call reports 2005
INVESTORS COMMUNITY BANK — 2005
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 297,640,000 | 312,853,000 | 326,452,000 | 335,526,000 |
| Total loans | 250,882,000 | 254,115,000 | 270,422,000 | 287,214,000 |
| Allowance for loan losses | 3,941,000 | 3,867,000 | 3,906,000 | 3,802,000 |
| Securities available for sale | 28,543,000 | 34,693,000 | 36,162,000 | 35,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,625,000 | 271,005,000 | 285,809,000 | 280,016,000 |
| Interest-bearing deposits | 238,138,000 | 254,287,000 | 267,724,000 | 261,884,000 |
| Noninterest-bearing deposits | 15,487,000 | 16,718,000 | 18,086,000 | 18,132,000 |
| Equity capital | 23,942,000 | 24,713,000 | 25,532,000 | 27,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,812,000 | 8,031,000 | 12,956,000 | 18,313,000 |
| Interest expense | 1,852,000 | 3,985,000 | 6,393,000 | 9,047,000 |
| Net interest income | 1,960,000 | 4,046,000 | 6,563,000 | 9,266,000 |
| Noninterest income | 320,000 | 732,000 | 1,053,000 | 1,409,000 |
| Noninterest expense | 1,086,000 | 2,159,000 | 3,314,000 | 4,552,000 |
| Provision for loan losses | 112,000 | 149,000 | 187,000 | 381,000 |
| Pretax income | 1,082,000 | 2,470,000 | 4,115,000 | 5,742,000 |
| Income tax | 377,000 | 850,000 | 1,430,000 | 2,001,000 |
| Net income | 705,000 | 1,620,000 | 2,685,000 | 3,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,977,000 | 24,683,000 | 25,538,000 | 26,718,000 |
| Total capital | 26,899,000 | 27,812,000 | 28,875,000 | 30,190,000 |
| Risk-weighted assets | 232,329,000 | 248,731,000 | 265,525,000 | 279,974,000 |