Call reports 2013
INCOMMONS BANK, NATIONAL ASSOCIATION — 2013
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,038,000 | 101,761,000 | 102,363,000 | 102,362,000 |
| Total loans | 67,036,000 | 68,445,000 | 68,739,000 | 69,173,000 |
| Allowance for loan losses | 932,000 | 928,000 | 932,000 | 937,000 |
| Securities available for sale | 21,416,000 | 23,802,000 | 22,846,000 | 23,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,386,000 | 84,274,000 | 85,081,000 | 83,467,000 |
| Interest-bearing deposits | 61,701,000 | 60,925,000 | 59,339,000 | 59,870,000 |
| Noninterest-bearing deposits | 23,685,000 | 23,349,000 | 25,742,000 | 23,597,000 |
| Equity capital | 10,284,000 | 10,077,000 | 10,314,000 | 10,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,464,000 | 3,737,000 | 4,982,000 |
| Interest expense | 105,000 | 204,000 | 299,000 | 389,000 |
| Net interest income | 1,109,000 | 2,260,000 | 3,438,000 | 4,593,000 |
| Noninterest income | 308,000 | 572,000 | 898,000 | 1,174,000 |
| Noninterest expense | 1,073,000 | 2,149,000 | 3,264,000 | 4,480,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 27,000 |
| Pretax income | 339,000 | 687,000 | 1,071,000 | 1,274,000 |
| Income tax | 81,000 | 166,000 | 262,000 | 298,000 |
| Net income | 258,000 | 521,000 | 809,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,783,000 | 9,927,000 | 10,221,000 | 10,194,000 |
| Total capital | 10,561,000 | 10,724,000 | 11,018,000 | 10,995,000 |
| Risk-weighted assets | 62,087,000 | 63,603,000 | 63,592,000 | 63,919,000 |
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