Call reports 2018
IMPACT BANK — 2018
What IMPACT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 129,007,000 | 124,596,000 | 128,577,000 | 141,210,000 |
| Total loans | 81,339,000 | 77,011,000 | 78,593,000 | 80,373,000 |
| Allowance for loan losses | 1,286,000 | 1,299,000 | 1,300,000 | 1,264,000 |
| Securities available for sale | 34,526,000 | 34,208,000 | 35,676,000 | 34,534,000 |
| Securities held to maturity | 2,681,000 | 2,679,000 | 2,656,000 | 2,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,115,000 | 107,996,000 | 108,832,000 | 125,251,000 |
| Interest-bearing deposits | 90,382,000 | 87,983,000 | 89,973,000 | 103,729,000 |
| Noninterest-bearing deposits | 19,733,000 | 20,013,000 | 18,859,000 | 21,522,000 |
| Equity capital | 13,685,000 | 13,813,000 | 13,818,000 | 13,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,720,000 | 4,026,000 | 5,393,000 |
| Interest expense | 218,000 | 458,000 | 649,000 | 878,000 |
| Net interest income | 1,137,000 | 2,262,000 | 3,377,000 | 4,515,000 |
| Noninterest income | 142,000 | 287,000 | 427,000 | 572,000 |
| Noninterest expense | 965,000 | 1,925,000 | 2,884,000 | 3,911,000 |
| Provision for loan losses | 3,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 311,000 | 612,000 | 908,000 | 1,134,000 |
| Income tax | 9,000 | 21,000 | 34,000 | 43,000 |
| Net income | 302,000 | 591,000 | 874,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,329,000 | 14,561,000 | 14,810,000 | 14,292,000 |
| Total capital | 15,514,000 | 15,697,000 | 15,969,000 | 15,491,000 |
| Risk-weighted assets | 94,736,000 | 90,736,000 | 92,575,000 | 95,838,000 |