Call reports 2006
INCREDIBLEBANK — 2006
What INCREDIBLEBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 682,186,000 | 718,701,000 | 730,751,000 | 762,723,000 |
| Total loans | 540,020,000 | 568,132,000 | 581,842,000 | 612,392,000 |
| Allowance for loan losses | 7,618,000 | 7,599,000 | 7,279,000 | 7,518,000 |
| Securities available for sale | 92,375,000 | 91,758,000 | 95,782,000 | 90,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,582,000 | 592,011,000 | 619,456,000 | 641,298,000 |
| Interest-bearing deposits | 507,791,000 | 522,881,000 | 545,535,000 | 567,319,000 |
| Noninterest-bearing deposits | 72,791,000 | 69,131,000 | 73,921,000 | 73,979,000 |
| Equity capital | 69,466,000 | 68,417,000 | 71,787,000 | 74,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,932,000 | 22,970,000 | 35,739,000 | 48,988,000 |
| Interest expense | 4,119,000 | 8,903,000 | 14,263,000 | 20,123,000 |
| Net interest income | 6,813,000 | 14,067,000 | 21,476,000 | 28,865,000 |
| Noninterest income | 1,372,000 | 2,918,000 | 4,555,000 | 6,250,000 |
| Noninterest expense | 5,567,000 | 11,123,000 | 16,913,000 | 22,901,000 |
| Provision for loan losses | 450,000 | 600,000 | 300,000 | 600,000 |
| Pretax income | 2,168,000 | 5,078,000 | 8,634,000 | 11,430,000 |
| Income tax | 22,000 | 50,000 | 83,000 | 119,000 |
| Net income | 2,146,000 | 5,028,000 | 8,551,000 | 11,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,066,000 | 55,410,000 | 57,852,000 | 60,675,000 |
| Total capital | 63,324,000 | 63,009,000 | 65,131,000 | 68,193,000 |
| Risk-weighted assets | 580,290,000 | 616,859,000 | 629,792,000 | 654,846,000 |