Call reports 2015
INCREDIBLEBANK — 2015
What INCREDIBLEBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,047,445,000 | 1,054,254,000 | 1,048,587,000 | 1,064,708,000 |
| Total loans | 824,911,000 | 826,623,000 | 829,385,000 | 799,247,000 |
| Allowance for loan losses | 8,975,000 | 8,747,000 | 8,598,000 | 8,626,000 |
| Securities available for sale | 110,729,000 | 111,278,000 | 114,365,000 | 124,481,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 907,091,000 | 886,964,000 | 885,362,000 | 916,817,000 |
| Interest-bearing deposits | 777,085,000 | 752,445,000 | 745,061,000 | 776,704,000 |
| Noninterest-bearing deposits | 130,006,000 | 134,519,000 | 140,301,000 | 140,113,000 |
| Equity capital | 108,372,000 | 108,678,000 | 111,496,000 | 109,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,677,000 | 21,945,000 | 33,320,000 | 44,574,000 |
| Interest expense | 1,184,000 | 2,328,000 | 3,378,000 | 4,426,000 |
| Net interest income | 9,493,000 | 19,617,000 | 29,942,000 | 40,148,000 |
| Noninterest income | 2,645,000 | 5,579,000 | 8,411,000 | 10,513,000 |
| Noninterest expense | 8,246,000 | 16,718,000 | 25,107,000 | 33,526,000 |
| Provision for loan losses | 527,000 | 1,099,000 | 1,415,000 | 1,677,000 |
| Pretax income | 3,397,000 | 7,411,000 | 11,866,000 | 15,511,000 |
| Income tax | 15,000 | 6,000 | 6,000 | 6,000 |
| Net income | 3,382,000 | 7,405,000 | 11,860,000 | 15,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,596,000 | 93,130,000 | 94,995,000 | 94,052,000 |
| Total capital | 100,571,000 | 101,877,000 | 103,593,000 | 102,678,000 |
| Risk-weighted assets | 829,704,000 | 834,934,000 | 835,641,000 | 817,673,000 |