Call reports 2007
INCREDIBLEBANK — 2007
What INCREDIBLEBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 766,245,000 | 795,219,000 | 815,324,000 | 846,065,000 |
| Total loans | 624,577,000 | 654,608,000 | 670,850,000 | 691,048,000 |
| Allowance for loan losses | 7,702,000 | 8,237,000 | 8,423,000 | 8,078,000 |
| Securities available for sale | 89,606,000 | 85,135,000 | 91,509,000 | 88,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,884,000 | 655,530,000 | 677,946,000 | 698,775,000 |
| Interest-bearing deposits | 572,656,000 | 581,961,000 | 607,298,000 | 627,421,000 |
| Noninterest-bearing deposits | 64,228,000 | 73,569,000 | 70,648,000 | 71,354,000 |
| Equity capital | 75,749,000 | 76,495,000 | 79,020,000 | 82,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,448,000 | 27,847,000 | 42,859,000 | 57,674,000 |
| Interest expense | 6,016,000 | 12,269,000 | 19,144,000 | 25,839,000 |
| Net interest income | 7,432,000 | 15,578,000 | 23,715,000 | 31,835,000 |
| Noninterest income | 1,633,000 | 3,793,000 | 5,544,000 | 7,636,000 |
| Noninterest expense | 6,263,000 | 12,754,000 | 19,120,000 | 26,467,000 |
| Provision for loan losses | 262,000 | 966,000 | 1,607,000 | 1,778,000 |
| Pretax income | 2,540,000 | 5,651,000 | 8,532,000 | 11,226,000 |
| Income tax | 36,000 | 48,000 | 60,000 | 120,000 |
| Net income | 2,504,000 | 5,603,000 | 8,472,000 | 11,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,630,000 | 63,179,000 | 64,799,000 | 67,484,000 |
| Total capital | 69,332,000 | 71,416,000 | 73,222,000 | 75,562,000 |
| Risk-weighted assets | 662,959,000 | 697,990,000 | 715,149,000 | 738,223,000 |