Call reports 2021
INCREDIBLEBANK — 2021
What INCREDIBLEBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,746,253,000 | 1,734,508,000 | 1,736,456,000 | 1,758,190,000 |
| Total loans | 1,304,375,000 | 1,272,650,000 | 1,277,873,000 | 1,304,648,000 |
| Allowance for loan losses | 11,549,000 | 12,237,000 | 11,994,000 | 11,731,000 |
| Securities available for sale | 238,373,000 | 267,000,000 | 283,171,000 | 302,886,000 |
| Securities held to maturity | 6,680,000 | 6,680,000 | 6,680,000 | 6,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,495,954,000 | 1,504,893,000 | 1,502,098,000 | 1,519,764,000 |
| Interest-bearing deposits | 1,170,949,000 | 1,177,706,000 | 1,149,430,000 | 1,175,885,000 |
| Noninterest-bearing deposits | 325,005,000 | 327,187,000 | 352,668,000 | 343,879,000 |
| Equity capital | 144,990,000 | 149,248,000 | 151,084,000 | 152,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 17,252,000 | 34,188,000 | 51,785,000 | 69,014,000 |
| Interest expense | 1,548,000 | 2,884,000 | 3,928,000 | 4,904,000 |
| Net interest income | 15,704,000 | 31,304,000 | 47,857,000 | 64,110,000 |
| Noninterest income | 7,131,000 | 11,413,000 | 17,349,000 | 22,611,000 |
| Noninterest expense | 13,381,000 | 25,551,000 | 39,351,000 | 51,537,000 |
| Provision for loan losses | 615,000 | 1,226,000 | 1,237,000 | 1,257,000 |
| Pretax income | 8,859,000 | 15,981,000 | 25,085,000 | 34,401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,859,000 | 15,981,000 | 25,085,000 | 34,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,394,000 | 129,938,000 | 134,464,000 | 136,801,000 |
| Total capital | 138,943,000 | 142,175,000 | 146,458,000 | 148,532,000 |
| Risk-weighted assets | 1,222,943,000 | 1,242,408,000 | 1,297,700,000 | 1,354,811,000 |