Call reports 2006
INVESTORS COMMUNITY BANK — 2006
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 344,983,000 | 371,196,000 | 392,348,000 | 412,881,000 |
| Total loans | 292,824,000 | 310,402,000 | 334,753,000 | 353,967,000 |
| Allowance for loan losses | 3,940,000 | 4,224,000 | 4,448,000 | 4,394,000 |
| Securities available for sale | 41,816,000 | 41,847,000 | 43,443,000 | 42,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,737,000 | 310,139,000 | 329,800,000 | 349,353,000 |
| Interest-bearing deposits | 274,086,000 | 290,807,000 | 314,053,000 | 327,291,000 |
| Noninterest-bearing deposits | 20,651,000 | 19,332,000 | 15,748,000 | 22,063,000 |
| Equity capital | 27,818,000 | 28,609,000 | 29,601,000 | 32,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,525,000 | 11,732,000 | 18,365,000 | 25,476,000 |
| Interest expense | 2,855,000 | 6,104,000 | 9,956,000 | 14,187,000 |
| Net interest income | 2,670,000 | 5,628,000 | 8,409,000 | 11,289,000 |
| Noninterest income | 454,000 | 968,000 | 1,513,000 | 2,305,000 |
| Noninterest expense | 1,284,000 | 2,619,000 | 4,178,000 | 5,895,000 |
| Provision for loan losses | 164,000 | 464,000 | 689,000 | 708,000 |
| Pretax income | 1,676,000 | 3,513,000 | 5,055,000 | 6,877,000 |
| Income tax | 591,000 | 1,243,000 | 1,772,000 | 2,181,000 |
| Net income | 1,085,000 | 2,270,000 | 3,283,000 | 4,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,175,000 | 29,111,000 | 29,872,000 | 32,565,000 |
| Total capital | 31,719,000 | 32,830,000 | 34,042,000 | 36,992,000 |
| Risk-weighted assets | 283,886,000 | 296,894,000 | 333,206,000 | 354,119,000 |