Call reports 2014
INCREDIBLEBANK — 2014
What INCREDIBLEBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,018,785,000 | 1,005,019,000 | 1,006,459,000 | 1,012,719,000 |
| Total loans | 774,470,000 | 777,244,000 | 772,213,000 | 780,292,000 |
| Allowance for loan losses | 9,463,000 | 9,221,000 | 9,678,000 | 8,679,000 |
| Securities available for sale | 121,429,000 | 118,760,000 | 116,576,000 | 115,389,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 880,441,000 | 861,970,000 | 869,633,000 | 856,594,000 |
| Interest-bearing deposits | 763,259,000 | 737,538,000 | 740,772,000 | 734,872,000 |
| Noninterest-bearing deposits | 117,182,000 | 124,432,000 | 128,861,000 | 121,722,000 |
| Equity capital | 107,390,000 | 107,943,000 | 108,451,000 | 109,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,779,000 | 21,816,000 | 32,813,000 | 43,668,000 |
| Interest expense | 1,266,000 | 2,515,000 | 3,707,000 | 4,884,000 |
| Net interest income | 9,513,000 | 19,301,000 | 29,106,000 | 38,784,000 |
| Noninterest income | 2,679,000 | 5,053,000 | 8,105,000 | 8,831,000 |
| Noninterest expense | 8,117,000 | 15,912,000 | 23,860,000 | 31,472,000 |
| Provision for loan losses | 1,508,000 | 2,694,000 | 3,605,000 | 3,622,000 |
| Pretax income | 2,509,000 | 5,747,000 | 9,745,000 | 12,502,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 60,000 |
| Net income | 2,494,000 | 5,717,000 | 9,700,000 | 12,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,691,000 | 91,492,000 | 92,249,000 | 92,743,000 |
| Total capital | 101,154,000 | 100,713,000 | 101,927,000 | 101,422,000 |
| Risk-weighted assets | 783,766,000 | 783,434,000 | 777,443,000 | 784,619,000 |