Call reports 2019
IMPACT BANK — 2019
What IMPACT BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 136,328,000 | 134,182,000 | 137,931,000 | 140,372,000 |
| Total loans | 81,407,000 | 84,387,000 | 84,006,000 | 80,285,000 |
| Allowance for loan losses | 1,264,000 | 1,264,000 | 1,261,000 | 1,260,000 |
| Securities available for sale | 35,828,000 | 32,620,000 | 34,401,000 | 35,603,000 |
| Securities held to maturity | 2,186,000 | 2,184,000 | 2,027,000 | 2,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,391,000 | 111,260,000 | 112,197,000 | 118,076,000 |
| Interest-bearing deposits | 91,489,000 | 90,388,000 | 88,736,000 | 92,098,000 |
| Noninterest-bearing deposits | 22,902,000 | 20,872,000 | 23,461,000 | 25,978,000 |
| Equity capital | 14,636,000 | 15,323,000 | 15,768,000 | 15,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,414,000 | 2,869,000 | 4,269,000 | 5,653,000 |
| Interest expense | 262,000 | 553,000 | 830,000 | 1,062,000 |
| Net interest income | 1,152,000 | 2,316,000 | 3,439,000 | 4,591,000 |
| Noninterest income | 125,000 | 271,000 | 415,000 | 566,000 |
| Noninterest expense | 979,000 | 1,923,000 | 2,912,000 | 3,877,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 388,000 | 773,000 | 1,051,000 | 1,392,000 |
| Income tax | 16,000 | 32,000 | 44,000 | 58,000 |
| Net income | 372,000 | 741,000 | 1,007,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,571,000 | 14,906,000 | 15,118,000 | 14,493,000 |
| Total capital | 15,770,000 | 16,151,000 | 16,364,000 | 15,692,000 |
| Risk-weighted assets | 95,864,000 | 99,555,000 | 99,559,000 | 95,863,000 |