INTERMOUNTAIN COMMUNITY BANCORP
Financials · Savings Institution, Federally Chartered · ID · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $1.5M | $801,000 | $1,000 | −$31.7M |
| Total assets | $939.6M | $972.1M | $934.2M | $1.01B |
| Total liabilities | $845.6M | $857.7M | $872.6M | $945.8M |
| Equity | $94.0M | $114.4M | $61.6M | $59.4M |
| EPS (diluted) | $0.16 | $0.08 | $-0.53 | $-39.89 |
| Shares out. | 6.5M | 20.8M | 8.4M | 8.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.6%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.0%
- Debt / equity
- 8.99×
- Book value / share
- $14.51
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 90.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2013- Accruals / assets
- −2.1%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventNov 3, 2014
- Shareholder vote · Other material eventOct 28, 2014
- Other material eventOct 20, 2014
- Other material eventOct 17, 2014
- Director / officer changeJul 28, 2014
- Entered a material agreement · Results of operations · Regulation FD disclosure · Other material eventJul 24, 2014
- Results of operationsApr 24, 2014
- Director / officer change · Shareholder voteApr 4, 2014
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- EFFECTNov 24, 2014
- EFFECTNov 24, 2014
- 15-12BNov 13, 2014
- SC 13D/ANov 6, 2014
- 4FORM 4Nov 5, 2014
- SC 13G/AAMENDED SCHEDULE 13GNov 5, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
- 4FORM 4 SUBMISSIONNov 4, 2014
Event-driven situations (1)
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