Call reports 2022
INCOMMONS BANK, NATIONAL ASSOCIATION — 2022
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 216,867,000 | 217,354,000 | 217,774,000 | 230,089,000 |
| Total loans | 144,036,000 | 145,847,000 | 148,145,000 | 159,851,000 |
| Allowance for loan losses | 1,510,000 | 1,507,000 | 1,518,000 | 1,506,000 |
| Securities available for sale | 50,885,000 | 50,360,000 | 49,634,000 | 50,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,547,000 | 201,818,000 | 199,544,000 | 203,298,000 |
| Interest-bearing deposits | 143,764,000 | 146,131,000 | 142,420,000 | 145,470,000 |
| Noninterest-bearing deposits | 55,783,000 | 55,687,000 | 57,124,000 | 57,828,000 |
| Equity capital | 16,401,000 | 14,685,000 | 14,326,000 | 16,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,233,000 | 4,545,000 | 6,961,000 | 9,513,000 |
| Interest expense | 130,000 | 308,000 | 602,000 | 1,083,000 |
| Net interest income | 2,103,000 | 4,237,000 | 6,359,000 | 8,430,000 |
| Noninterest income | 461,000 | 949,000 | 1,455,000 | 1,953,000 |
| Noninterest expense | 1,904,000 | 3,678,000 | 5,751,000 | 7,572,000 |
| Provision for loan losses | 17,000 | 40,000 | 69,000 | 85,000 |
| Pretax income | 643,000 | 1,468,000 | 1,994,000 | 2,726,000 |
| Income tax | 93,000 | 226,000 | 298,000 | 414,000 |
| Net income | 550,000 | 1,242,000 | 1,696,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,443,000 | 18,958,000 | 19,487,000 | 20,816,000 |
| Total capital | 19,953,000 | 20,465,000 | 21,005,000 | 22,322,000 |
| Risk-weighted assets | 139,940,000 | 141,580,000 | 144,775,000 | 157,617,000 |