Call reports 2004
INCREDIBLEBANK — 2004
What INCREDIBLEBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 376,146,000 | 387,379,000 | 400,083,000 | 596,563,000 |
| Total loans | 301,478,000 | 321,462,000 | 347,197,000 | 433,661,000 |
| Allowance for loan losses | 4,068,000 | 4,359,000 | 4,648,000 | 5,495,000 |
| Securities available for sale | 46,736,000 | 40,247,000 | 39,141,000 | 66,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,738,000 | 313,671,000 | 317,829,000 | 520,350,000 |
| Interest-bearing deposits | 286,025,000 | 271,443,000 | 270,573,000 | 443,239,000 |
| Noninterest-bearing deposits | 36,713,000 | 42,228,000 | 47,256,000 | 77,111,000 |
| Equity capital | 39,096,000 | 38,398,000 | 39,783,000 | 57,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,194,000 | 10,528,000 | 16,219,000 | 23,703,000 |
| Interest expense | 1,319,000 | 2,603,000 | 3,960,000 | 6,028,000 |
| Net interest income | 3,875,000 | 7,925,000 | 12,259,000 | 17,675,000 |
| Noninterest income | 693,000 | 1,717,000 | 2,623,000 | 3,922,000 |
| Noninterest expense | 2,525,000 | 5,294,000 | 8,498,000 | 12,953,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,530,000 |
| Pretax income | 1,743,000 | 3,748,000 | 5,484,000 | 7,114,000 |
| Income tax | 15,000 | 30,000 | 55,000 | 60,000 |
| Net income | 1,728,000 | 3,718,000 | 5,429,000 | 7,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,033,000 | 38,264,000 | 39,170,000 | 41,723,000 |
| Total capital | 41,894,000 | 42,441,000 | 43,626,000 | 47,218,000 |
| Risk-weighted assets | 308,690,000 | 334,013,000 | 356,291,000 | 458,081,000 |