Call reports 2015
IMPACT BANK — 2015
What IMPACT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,484,000 | 133,827,000 | 125,790,000 | 133,958,000 |
| Total loans | 85,937,000 | 86,081,000 | 79,529,000 | 84,461,000 |
| Allowance for loan losses | 1,450,000 | 1,447,000 | 1,461,000 | 1,421,000 |
| Securities available for sale | 32,745,000 | 32,861,000 | 31,573,000 | 32,605,000 |
| Securities held to maturity | 1,851,000 | 2,119,000 | 1,911,000 | 2,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,738,000 | 117,068,000 | 108,573,000 | 117,705,000 |
| Interest-bearing deposits | 95,871,000 | 96,334,000 | 89,719,000 | 97,940,000 |
| Noninterest-bearing deposits | 19,867,000 | 20,734,000 | 18,854,000 | 19,765,000 |
| Equity capital | 14,540,000 | 14,515,000 | 14,895,000 | 14,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,513,000 | 3,716,000 | 4,964,000 |
| Interest expense | 122,000 | 249,000 | 372,000 | 501,000 |
| Net interest income | 1,127,000 | 2,264,000 | 3,344,000 | 4,463,000 |
| Noninterest income | 109,000 | 225,000 | 349,000 | 488,000 |
| Noninterest expense | 908,000 | 1,790,000 | 2,694,000 | 3,656,000 |
| Provision for loan losses | -549,000 | -549,000 | -549,000 | -449,000 |
| Pretax income | 877,000 | 1,248,000 | 1,561,000 | 1,757,000 |
| Income tax | 16,000 | 45,000 | 58,000 | 67,000 |
| Net income | 861,000 | 1,203,000 | 1,503,000 | 1,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,029,000 | 14,323,000 | 14,582,000 | 13,921,000 |
| Total capital | 15,167,000 | 15,490,000 | 15,712,000 | 15,104,000 |
| Risk-weighted assets | 91,053,000 | 93,082,000 | 90,050,000 | 94,264,000 |