Call reports 2021
IMPACT BANK — 2021
What IMPACT BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 157,745,000 | 159,156,000 | 158,224,000 | 164,805,000 |
| Total loans | 77,693,000 | 79,256,000 | 79,630,000 | 80,201,000 |
| Allowance for loan losses | 1,043,000 | 1,046,000 | 1,048,000 | 999,000 |
| Securities available for sale | 42,151,000 | 44,350,000 | 47,149,000 | 51,956,000 |
| Securities held to maturity | 1,851,000 | 1,849,000 | 1,766,000 | 1,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,832,000 | 135,457,000 | 134,272,000 | 142,201,000 |
| Interest-bearing deposits | 98,333,000 | 96,357,000 | 94,566,000 | 108,414,000 |
| Noninterest-bearing deposits | 36,499,000 | 39,100,000 | 39,706,000 | 33,787,000 |
| Equity capital | 15,443,000 | 16,128,000 | 16,308,000 | 15,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,503,000 | 3,816,000 | 5,209,000 |
| Interest expense | 127,000 | 249,000 | 366,000 | 482,000 |
| Net interest income | 1,077,000 | 2,254,000 | 3,450,000 | 4,727,000 |
| Noninterest income | 71,000 | 259,000 | 351,000 | 437,000 |
| Noninterest expense | 887,000 | 1,763,000 | 2,704,000 | 3,587,000 |
| Provision for loan losses | 0 | 0 | 0 | 325,000 |
| Pretax income | 261,000 | 763,000 | 1,114,000 | 1,271,000 |
| Income tax | 11,000 | 27,000 | 42,000 | 48,000 |
| Net income | 250,000 | 736,000 | 1,072,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,706,000 | 15,137,000 | 15,439,000 | 14,599,000 |
| Total capital | 15,749,000 | 16,183,000 | 16,487,000 | 15,598,000 |
| Risk-weighted assets | 113,957,000 | 106,363,000 | 106,665,000 | 106,848,000 |