Call reports 2022
INCREDIBLEBANK — 2022
What INCREDIBLEBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,767,143,000 | 1,778,224,000 | 1,824,869,000 | 1,895,358,000 |
| Total loans | 1,265,705,000 | 1,297,393,000 | 1,343,509,000 | 1,388,169,000 |
| Allowance for loan losses | 12,602,000 | 12,810,000 | 12,620,000 | 12,567,000 |
| Securities available for sale | 321,385,000 | 330,740,000 | 330,401,000 | 340,081,000 |
| Securities held to maturity | 5,590,000 | 5,590,000 | 5,590,000 | 5,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,539,195,000 | 1,529,817,000 | 1,623,237,000 | 1,588,197,000 |
| Interest-bearing deposits | 1,202,526,000 | 1,187,671,000 | 1,242,626,000 | 1,238,068,000 |
| Noninterest-bearing deposits | 336,669,000 | 342,146,000 | 380,611,000 | 350,129,000 |
| Equity capital | 141,767,000 | 131,352,000 | 123,869,000 | 128,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 17,070,000 | 34,657,000 | 54,139,000 | 74,982,000 |
| Interest expense | 953,000 | 2,035,000 | 4,157,000 | 8,615,000 |
| Net interest income | 16,117,000 | 32,622,000 | 49,982,000 | 66,367,000 |
| Noninterest income | 3,962,000 | 7,873,000 | 11,279,000 | 14,430,000 |
| Noninterest expense | 13,089,000 | 25,772,000 | 38,708,000 | 51,553,000 |
| Provision for loan losses | 615,000 | 645,000 | 675,000 | 715,000 |
| Pretax income | 6,376,000 | 14,092,000 | 21,888,000 | 28,547,000 |
| Income tax | -2,170,000 | -393,000 | 1,433,000 | 2,968,000 |
| Net income | 8,546,000 | 14,485,000 | 20,455,000 | 25,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,570,000 | 145,630,000 | 148,522,000 | 150,367,000 |
| Total capital | 155,172,000 | 158,440,000 | 161,142,000 | 162,934,000 |
| Risk-weighted assets | 1,353,681,000 | 1,416,694,000 | 1,459,188,000 | 1,493,910,000 |