Call reports 2012
INCOMMONS BANK, NATIONAL ASSOCIATION — 2012
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 99,659,000 | 98,486,000 | 99,624,000 | 98,451,000 |
| Total loans | 65,761,000 | 66,327,000 | 66,823,000 | 66,492,000 |
| Allowance for loan losses | 1,001,000 | 952,000 | 938,000 | 920,000 |
| Securities available for sale | 21,537,000 | 22,315,000 | 21,101,000 | 20,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,508,000 | 86,210,000 | 87,183,000 | 83,951,000 |
| Interest-bearing deposits | 64,413,000 | 62,495,000 | 62,577,000 | 60,622,000 |
| Noninterest-bearing deposits | 23,095,000 | 23,715,000 | 24,606,000 | 23,329,000 |
| Equity capital | 10,030,000 | 10,317,000 | 10,608,000 | 10,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,517,000 | 3,773,000 | 5,004,000 |
| Interest expense | 142,000 | 283,000 | 413,000 | 536,000 |
| Net interest income | 1,115,000 | 2,234,000 | 3,360,000 | 4,468,000 |
| Noninterest income | 311,000 | 626,000 | 919,000 | 1,250,000 |
| Noninterest expense | 1,116,000 | 2,271,000 | 3,427,000 | 4,499,000 |
| Provision for loan losses | 3,000 | 6,000 | 15,000 | 43,000 |
| Pretax income | 307,000 | 597,000 | 877,000 | 1,216,000 |
| Income tax | 73,000 | 137,000 | 195,000 | 276,000 |
| Net income | 234,000 | 460,000 | 682,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,599,000 | 9,830,000 | 10,058,000 | 9,521,000 |
| Total capital | 10,361,000 | 10,585,000 | 10,823,000 | 10,290,000 |
| Risk-weighted assets | 60,758,000 | 60,229,000 | 61,053,000 | 61,395,000 |
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