Call reports 2016
IMPACT BANK — 2016
What IMPACT BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 133,706,000 | 134,854,000 | 129,682,000 | 129,622,000 |
| Total loans | 86,961,000 | 87,272,000 | 84,910,000 | 85,855,000 |
| Allowance for loan losses | 1,439,000 | 1,450,000 | 1,466,000 | 1,210,000 |
| Securities available for sale | 31,616,000 | 32,095,000 | 29,717,000 | 27,841,000 |
| Securities held to maturity | 2,307,000 | 2,305,000 | 2,289,000 | 2,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,968,000 | 117,701,000 | 112,264,000 | 113,603,000 |
| Interest-bearing deposits | 97,617,000 | 100,291,000 | 93,157,000 | 94,481,000 |
| Noninterest-bearing deposits | 19,351,000 | 17,410,000 | 19,107,000 | 19,122,000 |
| Equity capital | 14,544,000 | 14,913,000 | 15,122,000 | 13,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,238,000 | 2,487,000 | 3,699,000 | 4,910,000 |
| Interest expense | 132,000 | 267,000 | 397,000 | 531,000 |
| Net interest income | 1,106,000 | 2,220,000 | 3,302,000 | 4,379,000 |
| Noninterest income | 134,000 | 270,000 | 418,000 | 569,000 |
| Noninterest expense | 905,000 | 1,818,000 | 2,775,000 | 3,765,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 116,000 |
| Pretax income | 320,000 | 653,000 | 943,000 | 1,110,000 |
| Income tax | 14,000 | 28,000 | 39,000 | 47,000 |
| Net income | 306,000 | 625,000 | 904,000 | 1,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,088,000 | 14,346,000 | 14,580,000 | 14,043,000 |
| Total capital | 15,298,000 | 15,577,000 | 15,778,000 | 15,248,000 |
| Risk-weighted assets | 96,644,000 | 98,222,000 | 95,575,000 | 96,365,000 |