Call reports 2016
INCREDIBLEBANK — 2016
What INCREDIBLEBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,092,261,000 | 1,100,803,000 | 1,133,442,000 | 1,141,911,000 |
| Total loans | 812,068,000 | 850,416,000 | 863,292,000 | 871,369,000 |
| Allowance for loan losses | 8,986,000 | 8,868,000 | 8,298,000 | 7,883,000 |
| Securities available for sale | 137,198,000 | 137,734,000 | 133,948,000 | 135,780,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 941,674,000 | 930,834,000 | 982,590,000 | 997,597,000 |
| Interest-bearing deposits | 805,627,000 | 796,746,000 | 824,086,000 | 842,163,000 |
| Noninterest-bearing deposits | 136,047,000 | 134,088,000 | 158,504,000 | 155,434,000 |
| Equity capital | 111,306,000 | 113,688,000 | 114,716,000 | 108,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,138,000 | 22,608,000 | 34,273,000 | 46,194,000 |
| Interest expense | 1,095,000 | 2,251,000 | 3,504,000 | 4,811,000 |
| Net interest income | 10,043,000 | 20,357,000 | 30,769,000 | 41,383,000 |
| Noninterest income | 2,328,000 | 5,810,000 | 9,621,000 | 12,544,000 |
| Noninterest expense | 8,594,000 | 17,591,000 | 26,761,000 | 36,410,000 |
| Provision for loan losses | 114,000 | 346,000 | 798,000 | 1,029,000 |
| Pretax income | 3,665,000 | 8,232,000 | 12,855,000 | 16,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,665,000 | 8,232,000 | 12,855,000 | 16,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,270,000 | 95,805,000 | 97,395,000 | 94,468,000 |
| Total capital | 103,256,000 | 104,673,000 | 105,693,000 | 102,351,000 |
| Risk-weighted assets | 837,365,000 | 869,067,000 | 894,332,000 | 901,420,000 |