Call reports 2022
IMPACT BANK — 2022
What IMPACT BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 153,780,000 | 154,031,000 | 148,406,000 | 163,079,000 |
| Total loans | 81,423,000 | 80,791,000 | 81,564,000 | 87,301,000 |
| Allowance for loan losses | 1,001,000 | 999,000 | 1,100,000 | 1,088,000 |
| Securities available for sale | 54,984,000 | 47,314,000 | 45,364,000 | 43,784,000 |
| Securities held to maturity | 1,566,000 | 1,564,000 | 1,562,000 | 1,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,084,000 | 135,660,000 | 130,001,000 | 146,570,000 |
| Interest-bearing deposits | 103,988,000 | 101,910,000 | 94,371,000 | 113,183,000 |
| Noninterest-bearing deposits | 31,096,000 | 33,750,000 | 35,630,000 | 33,387,000 |
| Equity capital | 11,411,000 | 8,651,000 | 7,058,000 | 7,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,560,000 | 3,958,000 | 5,505,000 |
| Interest expense | 117,000 | 252,000 | 423,000 | 765,000 |
| Net interest income | 1,115,000 | 2,308,000 | 3,535,000 | 4,740,000 |
| Noninterest income | 80,000 | 174,000 | 258,000 | 341,000 |
| Noninterest expense | 895,000 | 1,731,000 | 2,608,000 | 3,483,000 |
| Provision for loan losses | 0 | 0 | -113,000 | -113,000 |
| Pretax income | 300,000 | 752,000 | 1,301,000 | 1,696,000 |
| Income tax | 12,000 | 31,000 | 54,000 | 71,000 |
| Net income | 288,000 | 721,000 | 1,247,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,034,000 | 15,567,000 | 16,142,000 | 15,393,000 |
| Total capital | 16,035,000 | 16,566,000 | 17,242,000 | 16,481,000 |
| Risk-weighted assets | 107,971,000 | 108,387,000 | 106,632,000 | 116,915,000 |