Call reports 2008
INCOMMONS BANK, NATIONAL ASSOCIATION — 2008
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 78,861,000 | 71,934,000 | 72,586,000 | 83,768,000 |
| Total loans | 42,601,000 | 43,902,000 | 45,014,000 | 46,772,000 |
| Allowance for loan losses | 493,000 | 463,000 | 524,000 | 562,000 |
| Securities available for sale | 22,107,000 | 19,961,000 | 18,606,000 | 22,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,682,000 | 62,918,000 | 63,230,000 | 65,593,000 |
| Interest-bearing deposits | 48,949,000 | 42,551,000 | 43,133,000 | 45,912,000 |
| Noninterest-bearing deposits | 20,733,000 | 20,367,000 | 20,097,000 | 19,681,000 |
| Equity capital | 8,603,000 | 8,549,000 | 8,818,000 | 9,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,293,000 | 3,422,000 | 4,517,000 |
| Interest expense | 305,000 | 542,000 | 749,000 | 963,000 |
| Net interest income | 864,000 | 1,751,000 | 2,673,000 | 3,554,000 |
| Noninterest income | 301,000 | 575,000 | 841,000 | 1,133,000 |
| Noninterest expense | 929,000 | 1,753,000 | 2,542,000 | 3,400,000 |
| Provision for loan losses | 59,000 | 34,000 | 94,000 | 210,000 |
| Pretax income | 177,000 | 539,000 | 879,000 | 1,079,000 |
| Income tax | 40,000 | 144,000 | 241,000 | 293,000 |
| Net income | 137,000 | 395,000 | 638,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,280,000 | 8,543,000 | 8,751,000 | 8,905,000 |
| Total capital | 8,773,000 | 9,006,000 | 9,275,000 | 9,467,000 |
| Risk-weighted assets | 43,180,000 | 42,859,000 | 44,195,000 | 47,794,000 |
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