Call reports 2018
INCREDIBLEBANK — 2018
What INCREDIBLEBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,288,071,000 | 1,305,439,000 | 1,323,874,000 | 1,357,316,000 |
| Total loans | 988,456,000 | 1,005,972,000 | 1,005,122,000 | 1,035,957,000 |
| Allowance for loan losses | 7,602,000 | 8,183,000 | 6,890,000 | 6,396,000 |
| Securities available for sale | 170,323,000 | 173,340,000 | 178,802,000 | 183,593,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,750,000 | 6,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,129,012,000 | 1,144,598,000 | 1,172,613,000 | 1,175,041,000 |
| Interest-bearing deposits | 962,823,000 | 963,225,000 | 985,065,000 | 985,685,000 |
| Noninterest-bearing deposits | 166,189,000 | 181,373,000 | 187,549,000 | 189,356,000 |
| Equity capital | 119,162,000 | 117,368,000 | 117,708,000 | 121,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 13,659,000 | 27,973,000 | 42,791,000 | 57,806,000 |
| Interest expense | 1,910,000 | 4,228,000 | 6,964,000 | 9,927,000 |
| Net interest income | 11,749,000 | 23,745,000 | 35,827,000 | 47,879,000 |
| Noninterest income | 2,703,000 | 5,626,000 | 8,840,000 | 14,269,000 |
| Noninterest expense | 9,355,000 | 18,610,000 | 28,214,000 | 39,709,000 |
| Provision for loan losses | 459,000 | 929,000 | 1,574,000 | 2,267,000 |
| Pretax income | 4,634,000 | 9,828,000 | 14,889,000 | 20,182,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,634,000 | 9,828,000 | 14,889,000 | 20,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,566,000 | 103,310,000 | 105,171,000 | 107,264,000 |
| Total capital | 112,168,000 | 111,493,000 | 112,061,000 | 113,660,000 |
| Risk-weighted assets | 1,031,398,000 | 1,040,987,000 | 1,050,625,000 | 1,078,661,000 |