Call reports 2015
INVESTORS COMMUNITY BANK — 2015
What INVESTORS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 780,852,000 | 780,618,000 | 844,233,000 | 884,356,000 |
| Total loans | 644,444,000 | 658,599,000 | 717,742,000 | 757,390,000 |
| Allowance for loan losses | 10,269,000 | 9,897,000 | 9,833,000 | 10,405,000 |
| Securities available for sale | 81,165,000 | 83,729,000 | 85,783,000 | 83,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 627,496,000 | 627,076,000 | 654,480,000 | 690,291,000 |
| Interest-bearing deposits | 541,662,000 | 542,759,000 | 575,536,000 | 601,312,000 |
| Noninterest-bearing deposits | 85,834,000 | 84,318,000 | 78,944,000 | 88,979,000 |
| Equity capital | 107,350,000 | 109,108,000 | 112,691,000 | 115,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,980,000 | 16,001,000 | 24,765,000 | 33,768,000 |
| Interest expense | 1,695,000 | 3,371,000 | 5,166,000 | 7,120,000 |
| Net interest income | 6,285,000 | 12,630,000 | 19,599,000 | 26,648,000 |
| Noninterest income | 1,296,000 | 3,064,000 | 4,779,000 | 7,114,000 |
| Noninterest expense | 3,984,000 | 8,168,000 | 12,189,000 | 16,276,000 |
| Provision for loan losses | -602,000 | -458,000 | -1,325,000 | -1,019,000 |
| Pretax income | 4,199,000 | 7,984,000 | 13,514,000 | 18,505,000 |
| Income tax | 1,568,000 | 3,000,000 | 5,077,000 | 6,918,000 |
| Net income | 2,631,000 | 4,984,000 | 8,437,000 | 11,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,673,000 | 108,830,000 | 112,093,000 | 115,036,000 |
| Total capital | 115,511,000 | 117,928,000 | 121,947,000 | 125,354,000 |
| Risk-weighted assets | 705,201,000 | 726,618,000 | 787,751,000 | 825,001,000 |