Call reports 2021
INCOMMONS BANK, NATIONAL ASSOCIATION — 2021
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 200,259,000 | 205,512,000 | 207,211,000 | 219,674,000 |
| Total loans | 131,377,000 | 135,566,000 | 130,923,000 | 138,778,000 |
| Allowance for loan losses | 1,335,000 | 1,309,000 | 1,302,000 | 1,525,000 |
| Securities available for sale | 43,927,000 | 48,138,000 | 49,306,000 | 50,625,000 |
| Securities held to maturity | 1,997,000 | 1,990,000 | 2,992,000 | 2,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,597,000 | 183,833,000 | 188,447,000 | 200,577,000 |
| Interest-bearing deposits | 126,507,000 | 127,711,000 | 132,274,000 | 142,016,000 |
| Noninterest-bearing deposits | 54,090,000 | 56,122,000 | 56,173,000 | 58,561,000 |
| Equity capital | 18,787,000 | 18,695,000 | 17,914,000 | 18,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,501,000 | 7,473,000 | 10,023,000 |
| Interest expense | 133,000 | 263,000 | 396,000 | 526,000 |
| Net interest income | 2,033,000 | 4,238,000 | 7,077,000 | 9,497,000 |
| Noninterest income | 406,000 | 1,143,000 | 1,611,000 | 2,077,000 |
| Noninterest expense | 1,717,000 | 3,522,000 | 5,408,000 | 7,261,000 |
| Provision for loan losses | 4,000 | 9,000 | 27,000 | 205,000 |
| Pretax income | 718,000 | 1,850,000 | 3,253,000 | 4,108,000 |
| Income tax | 112,000 | 297,000 | 553,000 | 694,000 |
| Net income | 606,000 | 1,553,000 | 2,700,000 | 3,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,690,000 | 17,810,000 | 17,031,000 | 17,819,000 |
| Total capital | 19,025,000 | 19,119,000 | 18,333,000 | 19,344,000 |
| Risk-weighted assets | 119,570,000 | 122,739,000 | 123,936,000 | 135,609,000 |