Call reports 2005
INCREDIBLEBANK — 2005
What INCREDIBLEBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 598,610,000 | 666,032,000 | 668,840,000 | 688,264,000 |
| Total loans | 465,780,000 | 505,330,000 | 524,849,000 | 526,323,000 |
| Allowance for loan losses | 6,018,000 | 7,147,000 | 8,002,000 | 7,246,000 |
| Securities available for sale | 77,950,000 | 91,298,000 | 87,785,000 | 94,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,075,000 | 570,212,000 | 570,055,000 | 590,744,000 |
| Interest-bearing deposits | 447,662,000 | 489,535,000 | 488,754,000 | 510,116,000 |
| Noninterest-bearing deposits | 72,413,000 | 80,677,000 | 81,301,000 | 80,627,000 |
| Equity capital | 57,164,000 | 58,140,000 | 65,735,000 | 68,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,120,000 | 17,240,000 | 27,505,000 | 38,139,000 |
| Interest expense | 2,253,000 | 5,101,000 | 8,695,000 | 12,467,000 |
| Net interest income | 5,867,000 | 12,139,000 | 18,810,000 | 25,672,000 |
| Noninterest income | 1,268,000 | 2,736,000 | 4,292,000 | 5,825,000 |
| Noninterest expense | 4,524,000 | 9,338,000 | 14,251,000 | 19,584,000 |
| Provision for loan losses | 498,000 | 1,756,000 | 2,604,000 | 2,152,000 |
| Pretax income | 2,113,000 | 3,851,000 | 6,317,000 | 9,831,000 |
| Income tax | 27,000 | 48,000 | 69,000 | 90,000 |
| Net income | 2,086,000 | 3,803,000 | 6,248,000 | 9,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,884,000 | 43,226,000 | 51,497,000 | 55,059,000 |
| Total capital | 48,902,000 | 49,978,000 | 58,472,000 | 62,214,000 |
| Risk-weighted assets | 487,641,000 | 539,757,000 | 556,935,000 | 572,297,000 |