Call reports 2003
INCREDIBLEBANK — 2003
What INCREDIBLEBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 328,903,000 | 346,839,000 | 342,000,000 | 372,112,000 |
| Total loans | 257,586,000 | 270,226,000 | 272,899,000 | 289,241,000 |
| Allowance for loan losses | 3,743,000 | 3,748,000 | 3,976,000 | 3,910,000 |
| Securities available for sale | 45,892,000 | 46,297,000 | 46,201,000 | 51,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,086,000 | 294,686,000 | 288,586,000 | 324,495,000 |
| Interest-bearing deposits | 248,390,000 | 257,462,000 | 249,546,000 | 284,799,000 |
| Noninterest-bearing deposits | 33,696,000 | 37,224,000 | 39,040,000 | 39,696,000 |
| Equity capital | 35,323,000 | 36,862,000 | 37,512,000 | 37,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,896,000 | 9,922,000 | 15,005,000 | 20,074,000 |
| Interest expense | 1,434,000 | 2,892,000 | 4,279,000 | 5,623,000 |
| Net interest income | 3,462,000 | 7,030,000 | 10,726,000 | 14,451,000 |
| Noninterest income | 673,000 | 1,462,000 | 2,549,000 | 3,265,000 |
| Noninterest expense | 2,123,000 | 4,504,000 | 7,124,000 | 9,682,000 |
| Provision for loan losses | 210,000 | 420,000 | 730,000 | 1,090,000 |
| Pretax income | 1,802,000 | 3,568,000 | 5,421,000 | 6,944,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 50,000 |
| Net income | 1,787,000 | 3,538,000 | 5,376,000 | 6,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,119,000 | 35,470,000 | 36,493,000 | 37,105,000 |
| Total capital | 37,342,000 | 38,878,000 | 39,986,000 | 40,833,000 |
| Risk-weighted assets | 257,304,000 | 272,284,000 | 278,984,000 | 298,259,000 |