Call reports 2019
INCREDIBLEBANK — 2019
What INCREDIBLEBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,380,500,000 | 1,385,956,000 | 1,379,134,000 | 1,399,926,000 |
| Total loans | 1,023,297,000 | 1,050,949,000 | 1,049,571,000 | 1,060,027,000 |
| Allowance for loan losses | 6,892,000 | 7,348,000 | 7,841,000 | 7,800,000 |
| Securities available for sale | 188,461,000 | 192,379,000 | 194,304,000 | 197,800,000 |
| Securities held to maturity | 6,750,000 | 6,750,000 | 6,680,000 | 6,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,215,847,000 | 1,138,483,000 | 1,136,164,000 | 1,151,322,000 |
| Interest-bearing deposits | 1,049,689,000 | 945,998,000 | 927,122,000 | 943,238,000 |
| Noninterest-bearing deposits | 166,158,000 | 192,485,000 | 209,042,000 | 208,084,000 |
| Equity capital | 125,958,000 | 130,366,000 | 133,421,000 | 134,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,621,000 | 31,366,000 | 47,501,000 | 63,669,000 |
| Interest expense | 3,236,000 | 6,726,000 | 10,101,000 | 13,091,000 |
| Net interest income | 12,385,000 | 24,640,000 | 37,400,000 | 50,578,000 |
| Noninterest income | 4,377,000 | 9,052,000 | 14,754,000 | 20,989,000 |
| Noninterest expense | 11,066,000 | 22,359,000 | 34,293,000 | 47,331,000 |
| Provision for loan losses | 928,000 | 1,555,000 | 2,189,000 | 2,607,000 |
| Pretax income | 4,773,000 | 9,767,000 | 15,693,000 | 21,631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,773,000 | 9,767,000 | 15,693,000 | 21,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,336,000 | 110,931,000 | 113,157,000 | 114,645,000 |
| Total capital | 115,228,000 | 118,279,000 | 120,998,000 | 122,445,000 |
| Risk-weighted assets | 1,078,799,000 | 1,102,506,000 | 1,106,508,000 | 1,126,438,000 |