Call reports 2009
INCREDIBLEBANK — 2009
What INCREDIBLEBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 918,473,000 | 920,753,000 | 917,439,000 | 951,759,000 |
| Total loans | 756,727,000 | 761,925,000 | 752,190,000 | 773,213,000 |
| Allowance for loan losses | 11,907,000 | 12,436,000 | 12,350,000 | 11,931,000 |
| Securities available for sale | 83,085,000 | 85,380,000 | 86,043,000 | 87,227,000 |
| Securities held to maturity | 7,750,000 | 7,750,000 | 7,350,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 755,489,000 | 740,372,000 | 751,183,000 | 783,526,000 |
| Interest-bearing deposits | 673,791,000 | 643,379,000 | 662,181,000 | 687,032,000 |
| Noninterest-bearing deposits | 81,698,000 | 96,993,000 | 89,002,000 | 96,494,000 |
| Equity capital | 90,378,000 | 104,714,000 | 108,383,000 | 102,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,354,000 | 26,713,000 | 39,936,000 | 53,287,000 |
| Interest expense | 3,991,000 | 7,385,000 | 10,395,000 | 13,185,000 |
| Net interest income | 9,363,000 | 19,328,000 | 29,541,000 | 40,102,000 |
| Noninterest income | 2,612,000 | 6,392,000 | 9,805,000 | 13,884,000 |
| Noninterest expense | 7,400,000 | 16,004,000 | 25,397,000 | 33,772,000 |
| Provision for loan losses | 2,434,000 | 3,581,000 | 4,847,000 | 10,483,000 |
| Pretax income | 2,141,000 | 6,192,000 | 8,743,000 | 8,771,000 |
| Income tax | 30,000 | 51,000 | 72,000 | 53,000 |
| Net income | 2,111,000 | 6,141,000 | 8,671,000 | 8,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,751,000 | 87,766,000 | 89,375,000 | 83,625,000 |
| Total capital | 88,162,000 | 98,251,000 | 99,691,000 | 94,198,000 |
| Risk-weighted assets | 831,810,000 | 839,349,000 | 823,339,000 | 844,366,000 |