Call reports 2013
INVESTORS COMMUNITY BANK — 2013
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 743,669,000 | 741,244,000 | 745,848,000 | 757,359,000 |
| Total loans | 600,094,000 | 577,066,000 | 580,500,000 | 576,497,000 |
| Allowance for loan losses | 14,055,000 | 12,054,000 | 10,243,000 | 10,495,000 |
| Securities available for sale | 64,369,000 | 65,633,000 | 67,020,000 | 73,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,040,000 | 595,866,000 | 606,438,000 | 617,704,000 |
| Interest-bearing deposits | 549,409,000 | 541,256,000 | 551,535,000 | 559,077,000 |
| Noninterest-bearing deposits | 49,631,000 | 54,610,000 | 54,902,000 | 58,627,000 |
| Equity capital | 92,668,000 | 93,998,000 | 95,733,000 | 96,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,536,000 | 16,390,000 | 24,341,000 | 32,243,000 |
| Interest expense | 2,470,000 | 4,296,000 | 6,283,000 | 8,250,000 |
| Net interest income | 6,066,000 | 12,094,000 | 18,058,000 | 23,993,000 |
| Noninterest income | 2,408,000 | 4,981,000 | 7,647,000 | 7,358,000 |
| Noninterest expense | 3,837,000 | 8,090,000 | 12,190,000 | 15,477,000 |
| Provision for loan losses | 2,000,000 | 3,000,000 | 3,700,000 | 4,200,000 |
| Pretax income | 2,637,000 | 5,985,000 | 9,815,000 | 11,674,000 |
| Income tax | 991,000 | 2,269,000 | 3,739,000 | 4,344,000 |
| Net income | 1,646,000 | 3,716,000 | 6,076,000 | 7,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,789,000 | 93,625,000 | 95,751,000 | 96,769,000 |
| Total capital | 99,539,000 | 101,162,000 | 103,414,000 | 104,280,000 |
| Risk-weighted assets | 612,664,000 | 597,402,000 | 609,370,000 | 597,571,000 |