Call reports 2009
INCOMMONS BANK, NATIONAL ASSOCIATION — 2009
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,396,000 | 81,421,000 | 88,122,000 | 92,855,000 |
| Total loans | 47,335,000 | 49,015,000 | 56,123,000 | 63,162,000 |
| Allowance for loan losses | 438,000 | 532,000 | 604,000 | 1,055,000 |
| Securities available for sale | 19,684,000 | 18,667,000 | 11,827,000 | 18,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,630,000 | 68,040,000 | 74,297,000 | 79,485,000 |
| Interest-bearing deposits | 45,599,000 | 48,145,000 | 53,731,000 | 59,094,000 |
| Noninterest-bearing deposits | 22,031,000 | 19,895,000 | 20,566,000 | 20,391,000 |
| Equity capital | 9,194,000 | 8,949,000 | 9,362,000 | 9,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,202,000 | 3,333,000 | 4,537,000 |
| Interest expense | 246,000 | 469,000 | 730,000 | 1,020,000 |
| Net interest income | 873,000 | 1,733,000 | 2,603,000 | 3,517,000 |
| Noninterest income | 256,000 | 404,000 | 697,000 | 991,000 |
| Noninterest expense | 978,000 | 2,083,000 | 3,154,000 | 4,239,000 |
| Provision for loan losses | 55,000 | 140,000 | 230,000 | 689,000 |
| Pretax income | 96,000 | 24,000 | 280,000 | -56,000 |
| Income tax | 17,000 | 56,000 | 35,000 | -104,000 |
| Net income | 79,000 | -32,000 | 245,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,881,000 | 8,776,000 | 9,094,000 | 8,804,000 |
| Total capital | 9,319,000 | 9,308,000 | 9,698,000 | 9,572,000 |
| Risk-weighted assets | 49,378,000 | 51,049,000 | 57,778,000 | 61,151,000 |
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