Call reports 2016
INCOMMONS BANK, NATIONAL ASSOCIATION — 2016
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 146,321,000 | 148,256,000 | 150,699,000 | 151,387,000 |
| Total loans | 103,492,000 | 106,185,000 | 104,195,000 | 106,928,000 |
| Allowance for loan losses | 994,000 | 1,016,000 | 1,058,000 | 1,121,000 |
| Securities available for sale | 24,206,000 | 24,940,000 | 25,013,000 | 28,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,913,000 | 124,788,000 | 129,785,000 | 128,408,000 |
| Interest-bearing deposits | 90,014,000 | 88,733,000 | 92,501,000 | 93,534,000 |
| Noninterest-bearing deposits | 37,899,000 | 36,055,000 | 37,284,000 | 34,874,000 |
| Equity capital | 14,493,000 | 14,548,000 | 14,816,000 | 14,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 3,188,000 | 4,887,000 | 6,565,000 |
| Interest expense | 108,000 | 230,000 | 354,000 | 474,000 |
| Net interest income | 1,388,000 | 2,958,000 | 4,533,000 | 6,091,000 |
| Noninterest income | 331,000 | 662,000 | 1,045,000 | 1,420,000 |
| Noninterest expense | 1,571,000 | 3,156,000 | 4,748,000 | 6,299,000 |
| Provision for loan losses | 37,000 | 102,000 | 162,000 | 262,000 |
| Pretax income | 111,000 | 404,000 | 719,000 | 1,001,000 |
| Income tax | -3,000 | 57,000 | 119,000 | 174,000 |
| Net income | 114,000 | 347,000 | 600,000 | 827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,994,000 | 13,087,000 | 13,384,000 | 13,314,000 |
| Total capital | 13,988,000 | 14,103,000 | 14,442,000 | 14,435,000 |
| Risk-weighted assets | 97,573,000 | 101,773,000 | 98,247,000 | 102,127,000 |