Call reports 2009
INVESTORS COMMUNITY BANK — 2009
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 627,229,000 | 643,922,000 | 661,224,000 | 654,219,000 |
| Total loans | 546,532,000 | 558,564,000 | 571,134,000 | 570,034,000 |
| Allowance for loan losses | 5,592,000 | 5,811,000 | 7,537,000 | 12,901,000 |
| Securities available for sale | 47,064,000 | 46,329,000 | 46,736,000 | 47,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,906,000 | 549,504,000 | 565,657,000 | 564,997,000 |
| Interest-bearing deposits | 512,502,000 | 523,333,000 | 540,191,000 | 534,293,000 |
| Noninterest-bearing deposits | 24,405,000 | 26,171,000 | 25,466,000 | 30,704,000 |
| Equity capital | 54,387,000 | 55,043,000 | 57,004,000 | 56,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,096,000 | 16,510,000 | 25,190,000 | 33,949,000 |
| Interest expense | 4,726,000 | 9,474,000 | 14,163,000 | 18,466,000 |
| Net interest income | 3,370,000 | 7,036,000 | 11,027,000 | 15,483,000 |
| Noninterest income | 989,000 | 2,268,000 | 3,481,000 | 4,639,000 |
| Noninterest expense | 2,075,000 | 4,736,000 | 7,155,000 | 8,809,000 |
| Provision for loan losses | 480,000 | 971,000 | 2,701,000 | 9,451,000 |
| Pretax income | 1,804,000 | 3,597,000 | 4,652,000 | 1,862,000 |
| Income tax | 641,000 | 1,254,000 | 1,601,000 | 354,000 |
| Net income | 1,163,000 | 2,343,000 | 3,051,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,130,000 | 54,065,000 | 55,530,000 | 54,741,000 |
| Total capital | 58,896,000 | 60,033,000 | 62,686,000 | 61,854,000 |
| Risk-weighted assets | 546,576,000 | 559,940,000 | 571,210,000 | 564,213,000 |