Call reports 2002
INCREDIBLEBANK — 2002
What INCREDIBLEBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 281,083,000 | 296,981,000 | 298,235,000 | 313,267,000 |
| Total loans | 214,663,000 | 226,944,000 | 240,379,000 | 247,251,000 |
| Allowance for loan losses | 2,853,000 | 3,032,000 | 3,243,000 | 3,547,000 |
| Securities available for sale | 35,829,000 | 40,248,000 | 42,660,000 | 42,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,504,000 | 252,267,000 | 250,724,000 | 274,047,000 |
| Interest-bearing deposits | 203,698,000 | 217,481,000 | 214,716,000 | 235,081,000 |
| Noninterest-bearing deposits | 34,806,000 | 34,786,000 | 36,008,000 | 38,966,000 |
| Equity capital | 23,440,000 | 24,092,000 | 25,340,000 | 26,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,872,000 | 9,803,000 | 14,936,000 | 20,601,000 |
| Interest expense | 1,730,000 | 3,315,000 | 4,917,000 | 6,412,000 |
| Net interest income | 3,142,000 | 6,488,000 | 10,019,000 | 14,189,000 |
| Noninterest income | 372,000 | 765,000 | 1,211,000 | 1,690,000 |
| Noninterest expense | 1,870,000 | 3,884,000 | 5,872,000 | 8,541,000 |
| Provision for loan losses | 165,000 | 390,000 | 640,000 | 1,340,000 |
| Pretax income | 1,479,000 | 2,979,000 | 4,718,000 | 5,998,000 |
| Income tax | -41,000 | -29,000 | -16,000 | -4,000 |
| Net income | 1,520,000 | 3,008,000 | 4,734,000 | 6,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,000,000 | 22,988,000 | 23,914,000 | 25,182,000 |
| Total capital | 25,566,000 | 25,703,000 | 26,757,000 | 28,208,000 |
| Risk-weighted assets | 205,010,000 | 216,874,000 | 227,035,000 | 241,534,000 |