Call reports 2014
IMPACT BANK — 2014
What IMPACT BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 132,460,000 | 128,139,000 | 131,438,000 | 138,181,000 |
| Total loans | 84,979,000 | 84,419,000 | 79,920,000 | 85,220,000 |
| Allowance for loan losses | 1,280,000 | 1,282,000 | 1,302,000 | 1,345,000 |
| Securities available for sale | 30,686,000 | 32,149,000 | 33,742,000 | 34,922,000 |
| Securities held to maturity | 1,547,000 | 1,547,000 | 1,922,000 | 1,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,462,000 | 111,747,000 | 114,822,000 | 122,284,000 |
| Interest-bearing deposits | 94,607,000 | 90,334,000 | 92,057,000 | 101,224,000 |
| Noninterest-bearing deposits | 21,855,000 | 21,413,000 | 22,765,000 | 21,060,000 |
| Equity capital | 13,650,000 | 13,990,000 | 14,163,000 | 13,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,509,000 | 3,719,000 | 4,982,000 |
| Interest expense | 125,000 | 250,000 | 372,000 | 497,000 |
| Net interest income | 1,100,000 | 2,259,000 | 3,347,000 | 4,485,000 |
| Noninterest income | 120,000 | 249,000 | 375,000 | 397,000 |
| Noninterest expense | 947,000 | 1,903,000 | 2,822,000 | 3,876,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 241,000 | 558,000 | 838,000 | 944,000 |
| Income tax | 2,000 | 16,000 | 28,000 | 33,000 |
| Net income | 239,000 | 542,000 | 810,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,387,000 | 13,641,000 | 13,864,000 | 13,380,000 |
| Total capital | 14,534,000 | 14,843,000 | 14,953,000 | 14,533,000 |
| Risk-weighted assets | 91,655,000 | 96,061,000 | 86,942,000 | 92,010,000 |