Call reports 2023
INCOMMONS BANK, NATIONAL ASSOCIATION — 2023
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 243,803,000 | 250,080,000 | 245,636,000 | 258,579,000 |
| Total loans | 173,220,000 | 177,656,000 | 176,130,000 | 183,792,000 |
| Allowance for loan losses | 2,252,000 | 2,244,000 | 2,211,000 | 2,289,000 |
| Securities available for sale | 50,885,000 | 49,102,000 | 47,739,000 | 51,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,212,000 | 214,570,000 | 218,734,000 | 216,841,000 |
| Interest-bearing deposits | 156,013,000 | 153,465,000 | 159,276,000 | 157,779,000 |
| Noninterest-bearing deposits | 53,199,000 | 61,105,000 | 59,458,000 | 59,062,000 |
| Equity capital | 16,391,000 | 16,102,000 | 15,574,000 | 17,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,837,000 | 6,023,000 | 9,397,000 | 13,043,000 |
| Interest expense | 862,000 | 2,004,000 | 3,227,000 | 4,563,000 |
| Net interest income | 1,975,000 | 4,019,000 | 6,170,000 | 8,480,000 |
| Noninterest income | 502,000 | 988,000 | 1,532,000 | 2,003,000 |
| Noninterest expense | 2,066,000 | 3,864,000 | 5,799,000 | 7,650,000 |
| Provision for loan losses | 175,000 | 187,000 | 196,000 | 321,000 |
| Pretax income | 236,000 | 946,000 | 1,697,000 | 2,502,000 |
| Income tax | 14,000 | 132,000 | 265,000 | 400,000 |
| Net income | 222,000 | 814,000 | 1,432,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,528,000 | 21,195,000 | 21,513,000 | 21,783,000 |
| Total capital | 22,650,000 | 23,358,000 | 23,649,000 | 23,973,000 |
| Risk-weighted assets | 169,554,000 | 172,875,000 | 170,766,000 | 175,002,000 |