Call reports 2013
IMPACT BANK — 2013
What IMPACT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,030,000 | 132,408,000 | 127,654,000 | 130,725,000 |
| Total loans | 80,198,000 | 83,670,000 | 81,152,000 | 86,189,000 |
| Allowance for loan losses | 1,003,000 | 1,085,000 | 1,134,000 | 1,261,000 |
| Securities available for sale | 38,856,000 | 35,697,000 | 37,365,000 | 35,517,000 |
| Securities held to maturity | 1,323,000 | 1,322,000 | 1,548,000 | 1,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,941,000 | 116,475,000 | 111,457,000 | 114,553,000 |
| Interest-bearing deposits | 95,832,000 | 95,258,000 | 90,628,000 | 97,571,000 |
| Noninterest-bearing deposits | 21,109,000 | 21,217,000 | 20,829,000 | 16,982,000 |
| Equity capital | 13,698,000 | 13,568,000 | 13,739,000 | 13,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,557,000 | 3,793,000 | 5,070,000 |
| Interest expense | 155,000 | 290,000 | 424,000 | 554,000 |
| Net interest income | 1,118,000 | 2,267,000 | 3,369,000 | 4,516,000 |
| Noninterest income | 128,000 | 255,000 | 391,000 | 541,000 |
| Noninterest expense | 915,000 | 1,816,000 | 2,747,000 | 3,703,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 180,000 |
| Pretax income | 276,000 | 591,000 | 885,000 | 1,196,000 |
| Income tax | 12,000 | 26,000 | 39,000 | 52,000 |
| Net income | 264,000 | 565,000 | 846,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,859,000 | 13,130,000 | 13,419,000 | 13,191,000 |
| Total capital | 13,861,000 | 14,215,000 | 14,514,000 | 14,356,000 |
| Risk-weighted assets | 87,215,000 | 89,380,000 | 87,914,000 | 93,124,000 |