Call reports 2019
INCOMMONS BANK, NATIONAL ASSOCIATION — 2019
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 171,887,000 | 174,363,000 | 177,131,000 | 179,606,000 |
| Total loans | 118,558,000 | 123,008,000 | 122,793,000 | 126,841,000 |
| Allowance for loan losses | 1,210,000 | 1,230,000 | 1,259,000 | 1,374,000 |
| Securities available for sale | 33,606,000 | 33,616,000 | 32,836,000 | 33,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,333,000 | 143,436,000 | 148,639,000 | 150,434,000 |
| Interest-bearing deposits | 105,369,000 | 106,408,000 | 108,653,000 | 112,775,000 |
| Noninterest-bearing deposits | 36,964,000 | 37,028,000 | 39,986,000 | 37,659,000 |
| Equity capital | 16,020,000 | 16,351,000 | 16,832,000 | 16,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,017,000 | 4,119,000 | 6,310,000 | 8,475,000 |
| Interest expense | 396,000 | 776,000 | 1,193,000 | 1,554,000 |
| Net interest income | 1,621,000 | 3,343,000 | 5,117,000 | 6,921,000 |
| Noninterest income | 416,000 | 848,000 | 1,303,000 | 1,713,000 |
| Noninterest expense | 1,683,000 | 3,372,000 | 5,144,000 | 6,916,000 |
| Provision for loan losses | 40,000 | 74,000 | 126,000 | 264,000 |
| Pretax income | 314,000 | 745,000 | 1,155,000 | 1,459,000 |
| Income tax | 28,000 | 79,000 | 126,000 | 147,000 |
| Net income | 286,000 | 666,000 | 1,029,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,154,000 | 15,258,000 | 15,693,000 | 15,701,000 |
| Total capital | 16,364,000 | 16,488,000 | 16,952,000 | 17,075,000 |
| Risk-weighted assets | 113,235,000 | 117,835,000 | 118,319,000 | 123,638,000 |