Call reports 2011
INCREDIBLEBANK — 2011
What INCREDIBLEBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 951,892,000 | 957,745,000 | 990,415,000 | 984,440,000 |
| Total loans | 754,841,000 | 755,326,000 | 758,306,000 | 754,797,000 |
| Allowance for loan losses | 12,784,000 | 13,210,000 | 11,066,000 | 10,128,000 |
| Securities available for sale | 93,564,000 | 95,628,000 | 114,075,000 | 117,663,000 |
| Securities held to maturity | 7,650,000 | 7,650,000 | 7,650,000 | 7,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 799,235,000 | 805,315,000 | 835,913,000 | 839,450,000 |
| Interest-bearing deposits | 693,737,000 | 700,227,000 | 729,017,000 | 730,943,000 |
| Noninterest-bearing deposits | 105,498,000 | 105,088,000 | 106,896,000 | 108,507,000 |
| Equity capital | 108,171,000 | 107,158,000 | 109,109,000 | 108,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 11,848,000 | 23,871,000 | 35,594,000 | 47,349,000 |
| Interest expense | 2,210,000 | 4,431,000 | 6,690,000 | 8,820,000 |
| Net interest income | 9,638,000 | 19,440,000 | 28,904,000 | 38,529,000 |
| Noninterest income | 3,079,000 | 5,402,000 | 8,733,000 | 10,472,000 |
| Noninterest expense | 8,602,000 | 17,223,000 | 25,292,000 | 33,957,000 |
| Provision for loan losses | 2,130,000 | 6,010,000 | 8,684,000 | 11,339,000 |
| Pretax income | 2,116,000 | 2,156,000 | 3,919,000 | 3,962,000 |
| Income tax | -21,000 | -21,000 | -21,000 | -46,000 |
| Net income | 2,137,000 | 2,177,000 | 3,940,000 | 4,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,579,000 | 88,941,000 | 90,027,000 | 89,419,000 |
| Total capital | 100,382,000 | 98,658,000 | 99,656,000 | 99,009,000 |
| Risk-weighted assets | 781,265,000 | 773,853,000 | 768,875,000 | 766,691,000 |