Call reports 2020
IMPACT BANK — 2020
What IMPACT BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 137,900,000 | 145,735,000 | 149,386,000 | 158,235,000 |
| Total loans | 77,553,000 | 80,088,000 | 77,255,000 | 74,211,000 |
| Allowance for loan losses | 1,367,000 | 1,031,000 | 1,032,000 | 1,043,000 |
| Securities available for sale | 32,103,000 | 33,243,000 | 34,362,000 | 36,891,000 |
| Securities held to maturity | 2,022,000 | 2,019,000 | 1,857,000 | 1,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,026,000 | 122,063,000 | 125,472,000 | 135,082,000 |
| Interest-bearing deposits | 90,220,000 | 89,337,000 | 87,882,000 | 100,419,000 |
| Noninterest-bearing deposits | 25,806,000 | 32,726,000 | 37,590,000 | 34,663,000 |
| Equity capital | 14,635,000 | 16,102,000 | 16,300,000 | 15,770,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,617,000 | 3,880,000 | 5,194,000 |
| Interest expense | 223,000 | 398,000 | 559,000 | 696,000 |
| Net interest income | 1,067,000 | 2,219,000 | 3,321,000 | 4,498,000 |
| Noninterest income | 134,000 | 361,000 | 496,000 | 600,000 |
| Noninterest expense | 951,000 | 1,983,000 | 3,014,000 | 4,043,000 |
| Provision for loan losses | 105,000 | 105,000 | 105,000 | 105,000 |
| Pretax income | 467,000 | 813,000 | 1,022,000 | 1,348,000 |
| Income tax | 20,000 | 34,000 | 42,000 | 56,000 |
| Net income | 447,000 | 779,000 | 980,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,942,000 | 14,969,000 | 15,124,000 | 14,477,000 |
| Total capital | 16,309,000 | 16,000,000 | 16,157,000 | 15,520,000 |
| Risk-weighted assets | 141,106,000 | 96,264,000 | 102,826,000 | 97,774,000 |