Call reports 2009
IMPACT BANK — 2009
What IMPACT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 85,857,000 | 86,027,000 | 84,446,000 | 86,184,000 |
| Total loans | 68,157,000 | 70,814,000 | 67,149,000 | 65,393,000 |
| Allowance for loan losses | 748,000 | 894,000 | 916,000 | 906,000 |
| Securities available for sale | 12,315,000 | 9,956,000 | 10,054,000 | 9,717,000 |
| Securities held to maturity | 765,000 | 765,000 | 765,000 | 765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,146,000 | 74,240,000 | 72,625,000 | 75,662,000 |
| Interest-bearing deposits | 65,601,000 | 66,508,000 | 64,134,000 | 64,078,000 |
| Noninterest-bearing deposits | 8,545,000 | 7,732,000 | 8,491,000 | 11,584,000 |
| Equity capital | 7,393,000 | 7,074,000 | 7,118,000 | 6,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,155,000 | 2,328,000 | 3,488,000 | 4,597,000 |
| Interest expense | 364,000 | 722,000 | 1,049,000 | 1,323,000 |
| Net interest income | 791,000 | 1,606,000 | 2,439,000 | 3,274,000 |
| Noninterest income | 108,000 | 221,000 | 353,000 | 471,000 |
| Noninterest expense | 647,000 | 1,327,000 | 1,949,000 | 2,562,000 |
| Provision for loan losses | 105,000 | 250,000 | 625,000 | 1,525,000 |
| Pretax income | 147,000 | 250,000 | 218,000 | -225,000 |
| Income tax | 6,000 | 11,000 | 9,000 | 0 |
| Net income | 141,000 | 239,000 | 209,000 | -225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,876,000 | 7,939,000 | 7,908,000 | 7,495,000 |
| Total capital | 8,624,000 | 8,833,000 | 8,753,000 | 8,331,000 |
| Risk-weighted assets | 69,569,000 | 71,779,000 | 67,540,000 | 66,622,000 |
Machine access — free, no API key
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