Call reports 2017
IMPACT BANK — 2017
What IMPACT BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 130,167,000 | 132,844,000 | 131,328,000 | 134,273,000 |
| Total loans | 86,632,000 | 84,710,000 | 81,987,000 | 81,354,000 |
| Allowance for loan losses | 1,250,000 | 1,266,000 | 1,276,000 | 1,283,000 |
| Securities available for sale | 27,251,000 | 26,657,000 | 29,787,000 | 33,011,000 |
| Securities held to maturity | 2,021,000 | 2,703,000 | 2,686,000 | 2,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,740,000 | 115,915,000 | 112,211,000 | 117,660,000 |
| Interest-bearing deposits | 95,609,000 | 92,823,000 | 89,260,000 | 95,908,000 |
| Noninterest-bearing deposits | 18,131,000 | 23,092,000 | 22,951,000 | 21,752,000 |
| Equity capital | 14,244,000 | 14,660,000 | 14,784,000 | 13,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,470,000 | 3,719,000 | 5,032,000 |
| Interest expense | 137,000 | 284,000 | 455,000 | 663,000 |
| Net interest income | 1,076,000 | 2,186,000 | 3,264,000 | 4,369,000 |
| Noninterest income | 149,000 | 293,000 | 444,000 | 587,000 |
| Noninterest expense | 937,000 | 1,885,000 | 2,884,000 | 3,915,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 267,000 | 557,000 | 772,000 | 984,000 |
| Income tax | 6,000 | 18,000 | 27,000 | 36,000 |
| Net income | 261,000 | 539,000 | 745,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,227,000 | 14,451,000 | 14,614,000 | 14,139,000 |
| Total capital | 15,443,000 | 15,661,000 | 15,798,000 | 15,339,000 |
| Risk-weighted assets | 97,235,000 | 96,809,000 | 94,779,000 | 95,945,000 |