Call reports 2014
INVESTORS COMMUNITY BANK — 2014
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 736,858,000 | 758,322,000 | 742,289,000 | 770,885,000 |
| Total loans | 572,782,000 | 588,448,000 | 593,002,000 | 652,235,000 |
| Allowance for loan losses | 10,524,000 | 10,556,000 | 10,374,000 | 10,603,000 |
| Securities available for sale | 73,298,000 | 75,605,000 | 77,673,000 | 81,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 601,385,000 | 622,652,000 | 601,746,000 | 607,252,000 |
| Interest-bearing deposits | 543,068,000 | 553,034,000 | 536,106,000 | 523,935,000 |
| Noninterest-bearing deposits | 58,318,000 | 69,619,000 | 65,640,000 | 83,317,000 |
| Equity capital | 98,390,000 | 100,628,000 | 102,493,000 | 104,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,463,000 | 15,238,000 | 22,826,000 | 30,897,000 |
| Interest expense | 1,878,000 | 3,704,000 | 5,361,000 | 7,057,000 |
| Net interest income | 5,585,000 | 11,534,000 | 17,465,000 | 23,840,000 |
| Noninterest income | 1,103,000 | 2,560,000 | 4,118,000 | 5,582,000 |
| Noninterest expense | 3,879,000 | 7,657,000 | 11,580,000 | 15,350,000 |
| Provision for loan losses | 0 | 0 | 0 | 589,000 |
| Pretax income | 2,809,000 | 6,437,000 | 10,003,000 | 13,483,000 |
| Income tax | 1,051,000 | 2,433,000 | 3,791,000 | 4,917,000 |
| Net income | 1,758,000 | 4,004,000 | 6,212,000 | 8,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,225,000 | 100,232,000 | 102,191,000 | 104,289,000 |
| Total capital | 105,616,000 | 107,903,000 | 109,933,000 | 112,725,000 |
| Risk-weighted assets | 587,785,000 | 610,349,000 | 616,297,000 | 672,225,000 |