Call reports 2015
INCOMMONS BANK, NATIONAL ASSOCIATION — 2015
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 113,326,000 | 116,876,000 | 115,801,000 | 116,371,000 |
| Total loans | 76,212,000 | 81,406,000 | 79,235,000 | 77,981,000 |
| Allowance for loan losses | 980,000 | 976,000 | 978,000 | 971,000 |
| Securities available for sale | 25,106,000 | 25,061,000 | 24,724,000 | 23,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,378,000 | 96,280,000 | 97,425,000 | 97,183,000 |
| Interest-bearing deposits | 66,174,000 | 65,886,000 | 66,658,000 | 68,507,000 |
| Noninterest-bearing deposits | 29,204,000 | 30,394,000 | 30,767,000 | 28,676,000 |
| Equity capital | 10,956,000 | 10,960,000 | 11,352,000 | 14,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,629,000 | 3,997,000 | 5,298,000 |
| Interest expense | 84,000 | 172,000 | 260,000 | 350,000 |
| Net interest income | 1,194,000 | 2,457,000 | 3,737,000 | 4,948,000 |
| Noninterest income | 301,000 | 586,000 | 884,000 | 1,185,000 |
| Noninterest expense | 1,155,000 | 2,293,000 | 3,485,000 | 4,883,000 |
| Provision for loan losses | 0 | 3,000 | 16,000 | 25,000 |
| Pretax income | 340,000 | 747,000 | 1,120,000 | 1,225,000 |
| Income tax | 80,000 | 182,000 | 269,000 | 270,000 |
| Net income | 260,000 | 565,000 | 851,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,671,000 | 10,802,000 | 11,087,000 | 14,099,000 |
| Total capital | 11,543,000 | 11,730,000 | 11,981,000 | 14,996,000 |
| Risk-weighted assets | 69,666,000 | 74,218,000 | 71,484,000 | 71,733,000 |