Call reports 2024
INCOMMONS BANK, NATIONAL ASSOCIATION — 2024
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 257,186,000 | 264,663,000 | 263,144,000 | 247,793,000 |
| Total loans | 186,423,000 | 188,655,000 | 175,178,000 | 173,063,000 |
| Allowance for loan losses | 2,286,000 | 2,349,000 | 2,388,000 | 2,339,000 |
| Securities available for sale | 49,967,000 | 49,351,000 | 53,448,000 | 45,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,956,000 | 220,269,000 | 215,519,000 | 218,678,000 |
| Interest-bearing deposits | 162,831,000 | 160,321,000 | 158,493,000 | 159,074,000 |
| Noninterest-bearing deposits | 56,125,000 | 59,948,000 | 57,026,000 | 59,604,000 |
| Equity capital | 18,004,000 | 18,423,000 | 20,256,000 | 18,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,791,000 | 7,730,000 | 11,754,000 | 15,697,000 |
| Interest expense | 1,481,000 | 2,965,000 | 4,569,000 | 5,935,000 |
| Net interest income | 2,310,000 | 4,765,000 | 7,185,000 | 9,762,000 |
| Noninterest income | 544,000 | 1,005,000 | 1,495,000 | 2,025,000 |
| Noninterest expense | 2,045,000 | 4,030,000 | 5,944,000 | 7,917,000 |
| Provision for loan losses | 30,000 | 92,000 | 199,000 | 216,000 |
| Pretax income | 779,000 | 1,633,000 | 2,522,000 | 3,639,000 |
| Income tax | 132,000 | 280,000 | 436,000 | 638,000 |
| Net income | 647,000 | 1,353,000 | 2,086,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,430,000 | 22,736,000 | 23,470,000 | 23,384,000 |
| Total capital | 24,705,000 | 25,044,000 | 25,605,000 | 25,513,000 |
| Risk-weighted assets | 181,959,000 | 184,516,000 | 170,494,000 | 170,065,000 |