Call reports 2011
INVESTORS COMMUNITY BANK — 2011
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 685,709,000 | 677,179,000 | 684,155,000 | 677,771,000 |
| Total loans | 573,931,000 | 584,793,000 | 589,679,000 | 577,913,000 |
| Allowance for loan losses | 13,693,000 | 11,875,000 | 12,101,000 | 9,090,000 |
| Securities available for sale | 48,280,000 | 48,801,000 | 49,399,000 | 48,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,061,000 | 567,265,000 | 559,110,000 | 550,415,000 |
| Interest-bearing deposits | 549,177,000 | 530,367,000 | 514,971,000 | 504,821,000 |
| Noninterest-bearing deposits | 30,883,000 | 36,898,000 | 44,140,000 | 45,594,000 |
| Equity capital | 67,143,000 | 68,249,000 | 83,140,000 | 84,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,643,000 | 17,047,000 | 25,467,000 | 33,745,000 |
| Interest expense | 3,151,000 | 6,114,000 | 8,939,000 | 11,563,000 |
| Net interest income | 5,492,000 | 10,933,000 | 16,528,000 | 22,182,000 |
| Noninterest income | 1,499,000 | 2,657,000 | 3,852,000 | 5,435,000 |
| Noninterest expense | 3,135,000 | 6,174,000 | 9,643,000 | 12,710,000 |
| Provision for loan losses | 750,000 | 2,425,000 | 3,475,000 | 4,475,000 |
| Pretax income | 3,106,000 | 4,991,000 | 7,262,000 | 10,432,000 |
| Income tax | 1,172,000 | 1,837,000 | 2,655,000 | 3,827,000 |
| Net income | 1,934,000 | 3,154,000 | 4,607,000 | 6,605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,983,000 | 66,961,000 | 81,674,000 | 83,411,000 |
| Total capital | 73,343,000 | 74,408,000 | 89,227,000 | 90,812,000 |
| Risk-weighted assets | 581,551,000 | 590,337,000 | 598,990,000 | 589,401,000 |