Call reports 2012
INCREDIBLEBANK — 2012
What INCREDIBLEBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 984,669,000 | 991,864,000 | 1,007,260,000 | 995,980,000 |
| Total loans | 757,781,000 | 765,721,000 | 757,760,000 | 770,753,000 |
| Allowance for loan losses | 12,485,000 | 12,030,000 | 11,156,000 | 10,203,000 |
| Securities available for sale | 113,735,000 | 109,805,000 | 112,122,000 | 104,288,000 |
| Securities held to maturity | 7,650,000 | 7,650,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,851,000 | 839,878,000 | 858,438,000 | 844,803,000 |
| Interest-bearing deposits | 731,089,000 | 719,427,000 | 737,001,000 | 721,685,000 |
| Noninterest-bearing deposits | 107,762,000 | 120,451,000 | 121,437,000 | 123,118,000 |
| Equity capital | 109,520,000 | 110,857,000 | 112,683,000 | 110,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,493,000 | 23,053,000 | 34,350,000 | 45,818,000 |
| Interest expense | 1,953,000 | 3,825,000 | 5,672,000 | 7,300,000 |
| Net interest income | 9,540,000 | 19,228,000 | 28,678,000 | 38,518,000 |
| Noninterest income | 2,407,000 | 5,689,000 | 10,010,000 | 13,866,000 |
| Noninterest expense | 8,568,000 | 17,374,000 | 26,143,000 | 35,467,000 |
| Provision for loan losses | 2,554,000 | 5,108,000 | 7,655,000 | 10,338,000 |
| Pretax income | 846,000 | 2,449,000 | 4,904,000 | 6,689,000 |
| Income tax | 1,000 | 3,000 | 10,000 | 13,000 |
| Net income | 845,000 | 2,446,000 | 4,894,000 | 6,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,336,000 | 91,259,000 | 92,529,000 | 91,584,000 |
| Total capital | 99,902,000 | 101,061,000 | 102,272,000 | 101,410,000 |
| Risk-weighted assets | 762,368,000 | 781,938,000 | 778,014,000 | 786,542,000 |