Call reports 2025
INCOMMONS BANK, NATIONAL ASSOCIATION — 2025
What INCOMMONS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 253,602,000 | 261,701,000 | 271,071,000 | 270,980,000 |
| Total loans | 184,962,000 | 193,466,000 | 202,064,000 | 204,760,000 |
| Allowance for loan losses | 2,310,000 | 2,512,000 | 2,183,000 | 2,207,000 |
| Securities available for sale | 45,631,000 | 44,190,000 | 43,417,000 | 42,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,313,000 | 223,374,000 | 223,623,000 | 226,224,000 |
| Interest-bearing deposits | 161,442,000 | 163,686,000 | 170,086,000 | 175,111,000 |
| Noninterest-bearing deposits | 59,871,000 | 59,688,000 | 53,537,000 | 51,113,000 |
| Equity capital | 19,934,000 | 20,371,000 | 22,288,000 | 23,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,755,000 | 7,730,000 | 12,033,000 | 16,405,000 |
| Interest expense | 1,216,000 | 2,483,000 | 3,875,000 | 5,251,000 |
| Net interest income | 2,539,000 | 5,247,000 | 8,158,000 | 11,154,000 |
| Noninterest income | 463,000 | 917,000 | 1,390,000 | 1,995,000 |
| Noninterest expense | 2,109,000 | 4,087,000 | 6,180,000 | 8,348,000 |
| Provision for loan losses | 37,000 | 284,000 | 290,000 | 294,000 |
| Pretax income | 856,000 | 1,793,000 | 3,078,000 | 4,507,000 |
| Income tax | 147,000 | 312,000 | 551,000 | 820,000 |
| Net income | 709,000 | 1,481,000 | 2,527,000 | 3,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,843,000 | 24,265,000 | 25,311,000 | 26,221,000 |
| Total capital | 26,079,000 | 26,605,000 | 27,609,000 | 28,543,000 |
| Risk-weighted assets | 178,692,000 | 186,926,000 | 198,240,000 | 199,528,000 |