Call reports 2010
INCREDIBLEBANK — 2010
What INCREDIBLEBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 949,396,000 | 981,027,000 | 1,010,342,000 | 955,794,000 |
| Total loans | 761,936,000 | 775,682,000 | 777,102,000 | 764,925,000 |
| Allowance for loan losses | 12,842,000 | 13,254,000 | 13,142,000 | 14,361,000 |
| Securities available for sale | 94,082,000 | 84,765,000 | 89,684,000 | 92,281,000 |
| Securities held to maturity | 6,750,000 | 7,650,000 | 7,650,000 | 7,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 785,289,000 | 829,165,000 | 848,807,000 | 795,419,000 |
| Interest-bearing deposits | 708,724,000 | 741,768,000 | 755,767,000 | 704,997,000 |
| Noninterest-bearing deposits | 76,565,000 | 87,397,000 | 93,040,000 | 90,422,000 |
| Equity capital | 103,711,000 | 106,148,000 | 109,696,000 | 105,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 12,561,000 | 25,408,000 | 37,981,000 | 50,929,000 |
| Interest expense | 2,407,000 | 4,803,000 | 7,291,000 | 9,663,000 |
| Net interest income | 10,154,000 | 20,605,000 | 30,690,000 | 41,266,000 |
| Noninterest income | 2,946,000 | 6,025,000 | 9,594,000 | 13,107,000 |
| Noninterest expense | 8,039,000 | 16,406,000 | 25,403,000 | 35,007,000 |
| Provision for loan losses | 3,075,000 | 5,231,000 | 7,376,000 | 10,646,000 |
| Pretax income | 1,746,000 | 4,210,000 | 6,722,000 | 7,733,000 |
| Income tax | 25,000 | 35,000 | 35,000 | 35,000 |
| Net income | 1,721,000 | 4,175,000 | 6,687,000 | 7,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,395,000 | 87,329,000 | 89,920,000 | 88,370,000 |
| Total capital | 95,480,000 | 97,503,000 | 100,109,000 | 98,254,000 |
| Risk-weighted assets | 804,080,000 | 810,871,000 | 815,127,000 | 787,253,000 |