Call reports 2010
INVESTORS COMMUNITY BANK — 2010
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 650,655,000 | 645,457,000 | 652,486,000 | 669,370,000 |
| Total loans | 553,520,000 | 559,852,000 | 577,051,000 | 594,333,000 |
| Allowance for loan losses | 13,122,000 | 12,322,000 | 13,590,000 | 13,245,000 |
| Securities available for sale | 47,176,000 | 47,642,000 | 48,124,000 | 47,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,439,000 | 554,434,000 | 555,973,000 | 565,521,000 |
| Interest-bearing deposits | 538,036,000 | 527,957,000 | 522,484,000 | 529,073,000 |
| Noninterest-bearing deposits | 24,403,000 | 26,477,000 | 33,490,000 | 36,448,000 |
| Equity capital | 58,068,000 | 59,184,000 | 64,405,000 | 65,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,318,000 | 16,636,000 | 25,215,000 | 33,864,000 |
| Interest expense | 3,866,000 | 7,461,000 | 10,841,000 | 14,090,000 |
| Net interest income | 4,452,000 | 9,175,000 | 14,374,000 | 19,774,000 |
| Noninterest income | 1,268,000 | 2,271,000 | 3,577,000 | 5,638,000 |
| Noninterest expense | 2,591,000 | 5,188,000 | 7,896,000 | 10,727,000 |
| Provision for loan losses | 220,000 | 520,000 | 2,420,000 | 4,620,000 |
| Pretax income | 2,909,000 | 5,738,000 | 7,635,000 | 10,065,000 |
| Income tax | 1,096,000 | 2,158,000 | 2,845,000 | 3,674,000 |
| Net income | 1,813,000 | 3,580,000 | 4,790,000 | 6,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,614,000 | 57,842,000 | 62,913,000 | 64,279,000 |
| Total capital | 63,560,000 | 64,956,000 | 70,272,000 | 71,786,000 |
| Risk-weighted assets | 548,626,000 | 562,920,000 | 581,517,000 | 593,987,000 |