Call reports 2025
INCREDIBLEBANK — 2025
What INCREDIBLEBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,993,556,000 | 2,042,975,000 | 2,004,972,000 | 2,077,345,000 |
| Total loans | 1,486,511,000 | 1,514,984,000 | 1,489,568,000 | 1,546,366,000 |
| Allowance for loan losses | 15,504,000 | 15,524,000 | 16,400,000 | 15,651,000 |
| Securities available for sale | 344,277,000 | 348,407,000 | 348,625,000 | 346,374,000 |
| Securities held to maturity | 3,025,000 | 3,025,000 | 3,025,000 | 3,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,793,974,000 | 1,783,669,000 | 1,742,528,000 | 1,742,715,000 |
| Interest-bearing deposits | 1,471,640,000 | 1,465,665,000 | 1,406,935,000 | 1,413,358,000 |
| Noninterest-bearing deposits | 322,334,000 | 318,004,000 | 335,593,000 | 329,357,000 |
| Equity capital | 140,359,000 | 143,408,000 | 150,253,000 | 156,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 27,296,000 | 56,009,000 | 85,033,000 | 114,072,000 |
| Interest expense | 10,930,000 | 21,846,000 | 32,502,000 | 42,761,000 |
| Net interest income | 16,366,000 | 34,163,000 | 52,531,000 | 71,311,000 |
| Noninterest income | 3,270,000 | 7,030,000 | 10,592,000 | 14,040,000 |
| Noninterest expense | 14,269,000 | 28,051,000 | 42,101,000 | 55,958,000 |
| Provision for loan losses | 645,000 | 2,090,000 | 3,335,000 | 3,780,000 |
| Pretax income | 4,707,000 | 11,037,000 | 17,635,000 | 25,545,000 |
| Income tax | 924,000 | 2,212,000 | 3,575,000 | 5,094,000 |
| Net income | 3,783,000 | 8,825,000 | 14,060,000 | 20,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,009,000 | 160,051,000 | 162,286,000 | 165,577,000 |
| Total capital | 173,713,000 | 175,775,000 | 178,886,000 | 181,428,000 |
| Risk-weighted assets | 1,588,596,000 | 1,604,642,000 | 1,548,071,000 | 1,599,687,000 |