Call reports 2012
INVESTORS COMMUNITY BANK — 2012
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 688,995,000 | 701,503,000 | 728,180,000 | 754,613,000 |
| Total loans | 578,453,000 | 584,613,000 | 593,039,000 | 621,885,000 |
| Allowance for loan losses | 9,676,000 | 10,648,000 | 12,029,000 | 12,521,000 |
| Securities available for sale | 53,519,000 | 56,366,000 | 54,473,000 | 62,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,728,000 | 566,151,000 | 593,287,000 | 613,782,000 |
| Interest-bearing deposits | 519,945,000 | 519,180,000 | 546,152,000 | 558,542,000 |
| Noninterest-bearing deposits | 40,783,000 | 46,971,000 | 47,136,000 | 55,240,000 |
| Equity capital | 86,310,000 | 88,085,000 | 89,653,000 | 91,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,469,000 | 16,515,000 | 24,928,000 | 33,732,000 |
| Interest expense | 2,802,000 | 4,932,000 | 7,018,000 | 9,062,000 |
| Net interest income | 5,667,000 | 11,583,000 | 17,910,000 | 24,670,000 |
| Noninterest income | 1,365,000 | 3,657,000 | 5,131,000 | 7,430,000 |
| Noninterest expense | 3,478,000 | 7,230,000 | 11,115,000 | 15,455,000 |
| Provision for loan losses | 600,000 | 1,800,000 | 3,000,000 | 4,200,000 |
| Pretax income | 3,308,000 | 6,564,000 | 9,280,000 | 12,799,000 |
| Income tax | 1,242,000 | 2,483,000 | 3,497,000 | 4,818,000 |
| Net income | 2,066,000 | 4,081,000 | 5,783,000 | 7,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,223,000 | 86,989,000 | 88,442,000 | 90,392,000 |
| Total capital | 92,611,000 | 94,525,000 | 96,116,000 | 98,351,000 |
| Risk-weighted assets | 587,788,000 | 598,797,000 | 608,511,000 | 631,152,000 |