Call reports 2023
IMPACT BANK — 2023
What IMPACT BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 148,746,000 | 149,214,000 | 149,689,000 | 168,216,000 |
| Total loans | 88,304,000 | 87,710,000 | 93,309,000 | 103,518,000 |
| Allowance for loan losses | 1,086,000 | 1,087,000 | 1,307,000 | 1,301,000 |
| Securities available for sale | 44,033,000 | 42,740,000 | 40,137,000 | 42,482,000 |
| Securities held to maturity | 1,362,000 | 1,359,000 | 1,107,000 | 1,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,374,000 | 128,049,000 | 127,862,000 | 153,424,000 |
| Interest-bearing deposits | 96,149,000 | 99,644,000 | 97,315,000 | 121,907,000 |
| Noninterest-bearing deposits | 32,225,000 | 28,405,000 | 30,547,000 | 31,517,000 |
| Equity capital | 9,037,000 | 8,635,000 | 7,134,000 | 9,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,439,000 | 5,256,000 | 7,295,000 |
| Interest expense | 445,000 | 971,000 | 1,587,000 | 2,432,000 |
| Net interest income | 1,256,000 | 2,468,000 | 3,669,000 | 4,863,000 |
| Noninterest income | 100,000 | 183,000 | 262,000 | 337,000 |
| Noninterest expense | 886,000 | 1,748,000 | 2,584,000 | 3,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 471,000 | 906,000 | 1,352,000 | 1,739,000 |
| Income tax | 20,000 | 38,000 | 56,000 | 72,000 |
| Net income | 451,000 | 868,000 | 1,296,000 | 1,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,756,000 | 16,161,000 | 16,628,000 | 16,007,000 |
| Total capital | 16,842,000 | 17,248,000 | 17,935,000 | 17,308,000 |
| Risk-weighted assets | 127,338,000 | 117,051,000 | 109,038,000 | 128,816,000 |