Call reports 2010
IMPACT BANK — 2010
What IMPACT BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 83,527,000 | 82,321,000 | 82,502,000 | 83,565,000 |
| Total loans | 64,999,000 | 64,955,000 | 60,872,000 | 63,578,000 |
| Allowance for loan losses | 938,000 | 1,013,000 | 969,000 | 966,000 |
| Securities available for sale | 9,892,000 | 11,041,000 | 12,703,000 | 14,600,000 |
| Securities held to maturity | 1,125,000 | 1,125,000 | 690,000 | 690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,865,000 | 70,508,000 | 71,657,000 | 73,075,000 |
| Interest-bearing deposits | 62,253,000 | 62,252,000 | 61,865,000 | 63,337,000 |
| Noninterest-bearing deposits | 10,612,000 | 8,256,000 | 9,792,000 | 9,738,000 |
| Equity capital | 6,614,000 | 7,076,000 | 6,912,000 | 6,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,177,000 | 3,252,000 | 4,275,000 |
| Interest expense | 254,000 | 485,000 | 706,000 | 908,000 |
| Net interest income | 809,000 | 1,692,000 | 2,546,000 | 3,367,000 |
| Noninterest income | 109,000 | 234,000 | 350,000 | 462,000 |
| Noninterest expense | 642,000 | 1,273,000 | 1,980,000 | 2,731,000 |
| Provision for loan losses | 240,000 | 470,000 | 850,000 | 1,025,000 |
| Pretax income | 37,000 | 184,000 | 67,000 | 74,000 |
| Income tax | 0 | 8,000 | 3,000 | 3,000 |
| Net income | 37,000 | 176,000 | 64,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,526,000 | 7,663,000 | 7,547,000 | 7,554,000 |
| Total capital | 8,342,000 | 8,376,000 | 8,317,000 | 8,357,000 |
| Risk-weighted assets | 65,129,000 | 65,253,000 | 61,428,000 | 64,100,000 |