Call reports 2011
IMPACT BANK — 2011
What IMPACT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 86,507,000 | 90,277,000 | 90,689,000 | 89,484,000 |
| Total loans | 59,056,000 | 56,819,000 | 56,326,000 | 54,666,000 |
| Allowance for loan losses | 1,041,000 | 949,000 | 949,000 | 939,000 |
| Securities available for sale | 19,592,000 | 21,954,000 | 27,514,000 | 28,082,000 |
| Securities held to maturity | 625,000 | 625,000 | 1,059,000 | 1,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,676,000 | 79,096,000 | 78,989,000 | 77,761,000 |
| Interest-bearing deposits | 64,050,000 | 66,125,000 | 65,938,000 | 64,785,000 |
| Noninterest-bearing deposits | 11,626,000 | 12,971,000 | 13,051,000 | 12,976,000 |
| Equity capital | 6,979,000 | 8,195,000 | 8,624,000 | 8,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,010,000 | 2,992,000 | 3,956,000 |
| Interest expense | 184,000 | 359,000 | 521,000 | 671,000 |
| Net interest income | 823,000 | 1,651,000 | 2,471,000 | 3,285,000 |
| Noninterest income | 106,000 | 215,000 | 331,000 | 430,000 |
| Noninterest expense | 635,000 | 1,311,000 | 1,979,000 | 2,649,000 |
| Provision for loan losses | 75,000 | 255,000 | 255,000 | 255,000 |
| Pretax income | 219,000 | 313,000 | 581,000 | 832,000 |
| Income tax | 10,000 | 14,000 | 25,000 | 36,000 |
| Net income | 209,000 | 299,000 | 556,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,764,000 | 7,852,000 | 8,109,000 | 8,350,000 |
| Total capital | 8,502,000 | 8,575,000 | 8,835,000 | 9,052,000 |
| Risk-weighted assets | 58,747,000 | 57,663,000 | 57,708,000 | 55,888,000 |