Call reports 2007
INVESTORS COMMUNITY BANK — 2007
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 434,543,000 | 466,812,000 | 484,136,000 | 483,684,000 |
| Total loans | 374,515,000 | 400,931,000 | 406,240,000 | 417,047,000 |
| Allowance for loan losses | 4,508,000 | 4,585,000 | 4,696,000 | 4,688,000 |
| Securities available for sale | 44,966,000 | 45,898,000 | 46,957,000 | 45,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,617,000 | 399,091,000 | 411,246,000 | 401,735,000 |
| Interest-bearing deposits | 349,605,000 | 376,275,000 | 387,275,000 | 371,215,000 |
| Noninterest-bearing deposits | 19,012,000 | 22,815,000 | 23,972,000 | 30,520,000 |
| Equity capital | 33,938,000 | 37,692,000 | 39,410,000 | 40,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,425,000 | 15,597,000 | 24,146,000 | 32,883,000 |
| Interest expense | 4,445,000 | 9,258,000 | 14,510,000 | 19,856,000 |
| Net interest income | 2,980,000 | 6,339,000 | 9,636,000 | 13,027,000 |
| Noninterest income | 522,000 | 1,048,000 | 1,758,000 | 3,176,000 |
| Noninterest expense | 1,711,000 | 3,387,000 | 4,972,000 | 7,109,000 |
| Provision for loan losses | 122,000 | 200,000 | 304,000 | 312,000 |
| Pretax income | 1,669,000 | 3,800,000 | 6,118,000 | 8,782,000 |
| Income tax | 555,000 | 1,274,000 | 2,053,000 | 3,099,000 |
| Net income | 1,114,000 | 2,526,000 | 4,065,000 | 5,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,021,000 | 38,159,000 | 39,424,000 | 40,767,000 |
| Total capital | 38,650,000 | 42,865,000 | 44,241,000 | 45,648,000 |
| Risk-weighted assets | 373,715,000 | 413,493,000 | 420,494,000 | 423,981,000 |