Call reports 2013
INCREDIBLEBANK — 2013
What INCREDIBLEBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,017,713,000 | 999,309,000 | 1,011,028,000 | 1,006,768,000 |
| Total loans | 742,928,000 | 757,790,000 | 754,378,000 | 770,987,000 |
| Allowance for loan losses | 11,149,000 | 10,515,000 | 11,713,000 | 10,134,000 |
| Securities available for sale | 111,573,000 | 112,242,000 | 126,563,000 | 121,950,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 878,351,000 | 866,552,000 | 876,364,000 | 874,359,000 |
| Interest-bearing deposits | 774,530,000 | 757,055,000 | 748,714,000 | 745,216,000 |
| Noninterest-bearing deposits | 103,821,000 | 109,497,000 | 127,650,000 | 129,143,000 |
| Equity capital | 112,923,000 | 105,741,000 | 106,706,000 | 105,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,979,000 | 22,125,000 | 33,132,000 | 43,904,000 |
| Interest expense | 1,538,000 | 2,993,000 | 4,390,000 | 5,714,000 |
| Net interest income | 9,441,000 | 19,132,000 | 28,742,000 | 38,190,000 |
| Noninterest income | 3,700,000 | 7,539,000 | 10,548,000 | 12,866,000 |
| Noninterest expense | 8,596,000 | 16,805,000 | 24,551,000 | 32,820,000 |
| Provision for loan losses | 2,430,000 | 3,856,000 | 5,725,000 | 7,606,000 |
| Pretax income | 2,115,000 | 5,411,000 | 8,435,000 | 10,051,000 |
| Income tax | 13,000 | 21,000 | 34,000 | 49,000 |
| Net income | 2,102,000 | 5,390,000 | 8,401,000 | 10,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,760,000 | 89,620,000 | 90,952,000 | 91,126,000 |
| Total capital | 103,448,000 | 99,320,000 | 100,592,000 | 100,942,000 |
| Risk-weighted assets | 773,577,000 | 775,220,000 | 769,120,000 | 784,926,000 |