Call reports 2003
IMPACT BANK — 2003
What IMPACT BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 67,471,000 | 69,823,000 | 67,418,000 | 69,749,000 |
| Total loans | 46,951,000 | 48,957,000 | 52,763,000 | 55,017,000 |
| Allowance for loan losses | 434,000 | 447,000 | 461,000 | 471,000 |
| Securities available for sale | 12,314,000 | 12,047,000 | 10,535,000 | 9,733,000 |
| Securities held to maturity | 837,000 | 837,000 | 836,000 | 831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,384,000 | 61,499,000 | 58,966,000 | 61,865,000 |
| Interest-bearing deposits | 53,160,000 | 54,837,000 | 52,749,000 | 54,854,000 |
| Noninterest-bearing deposits | 6,224,000 | 6,662,000 | 6,217,000 | 7,011,000 |
| Equity capital | 7,443,000 | 7,594,000 | 7,603,000 | 7,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 991,000 | 1,973,000 | 2,995,000 | 4,021,000 |
| Interest expense | 381,000 | 751,000 | 1,093,000 | 1,400,000 |
| Net interest income | 610,000 | 1,222,000 | 1,902,000 | 2,621,000 |
| Noninterest income | 112,000 | 221,000 | 337,000 | 454,000 |
| Noninterest expense | 534,000 | 1,062,000 | 1,615,000 | 2,196,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 193,000 | 371,000 | 599,000 | 839,000 |
| Income tax | 8,000 | 16,000 | 26,000 | 37,000 |
| Net income | 185,000 | 355,000 | 573,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,145,000 | 7,245,000 | 7,393,000 | 7,154,000 |
| Total capital | 7,579,000 | 7,692,000 | 7,854,000 | 7,625,000 |
| Risk-weighted assets | 50,583,000 | 52,156,000 | 53,860,000 | 55,439,000 |
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