Call reports 2020
INCOMMONS BANK, NATIONAL ASSOCIATION — 2020
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 178,495,000 | 189,587,000 | 188,474,000 | 185,663,000 |
| Total loans | 123,559,000 | 128,027,000 | 127,591,000 | 124,386,000 |
| Allowance for loan losses | 1,393,000 | 1,397,000 | 1,397,000 | 1,391,000 |
| Securities available for sale | 33,716,000 | 35,272,000 | 34,868,000 | 38,790,000 |
| Securities held to maturity | 0 | 1,999,000 | 1,985,000 | 1,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,544,000 | 163,985,000 | 165,337,000 | 166,707,000 |
| Interest-bearing deposits | 109,425,000 | 115,222,000 | 119,482,000 | 121,097,000 |
| Noninterest-bearing deposits | 39,119,000 | 48,763,000 | 45,855,000 | 45,610,000 |
| Equity capital | 17,068,000 | 17,740,000 | 18,392,000 | 18,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,191,000 | 4,428,000 | 6,584,000 | 8,764,000 |
| Interest expense | 324,000 | 532,000 | 705,000 | 859,000 |
| Net interest income | 1,867,000 | 3,896,000 | 5,879,000 | 7,905,000 |
| Noninterest income | 407,000 | 759,000 | 1,193,000 | 1,624,000 |
| Noninterest expense | 1,780,000 | 3,485,000 | 5,282,000 | 7,025,000 |
| Provision for loan losses | 32,000 | 105,000 | 45,000 | 71,000 |
| Pretax income | 462,000 | 1,065,000 | 1,745,000 | 2,433,000 |
| Income tax | 53,000 | 152,000 | 241,000 | 345,000 |
| Net income | 409,000 | 913,000 | 1,504,000 | 2,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,184,000 | 16,362,000 | 17,026,000 | 17,009,000 |
| Total capital | 17,577,000 | 17,759,000 | 18,423,000 | 18,400,000 |
| Risk-weighted assets | 119,361,000 | 118,402,000 | 116,417,000 | 117,132,000 |