Call reports 2024
IMPACT BANK — 2024
What IMPACT BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 162,455,000 | 166,955,000 | 161,907,000 | 169,426,000 |
| Total loans | 102,190,000 | 105,453,000 | 105,011,000 | 107,709,000 |
| Allowance for loan losses | 1,300,000 | 1,292,000 | 1,292,000 | 1,288,000 |
| Securities available for sale | 41,477,000 | 42,436,000 | 43,035,000 | 40,697,000 |
| Securities held to maturity | 1,104,000 | 1,102,000 | 1,102,000 | 1,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,272,000 | 143,652,000 | 135,557,000 | 144,172,000 |
| Interest-bearing deposits | 118,089,000 | 116,224,000 | 109,716,000 | 116,085,000 |
| Noninterest-bearing deposits | 29,183,000 | 27,428,000 | 25,841,000 | 28,087,000 |
| Equity capital | 9,162,000 | 9,358,000 | 11,071,000 | 8,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,144,000 | 4,303,000 | 6,454,000 | 8,594,000 |
| Interest expense | 876,000 | 1,776,000 | 2,732,000 | 3,656,000 |
| Net interest income | 1,268,000 | 2,527,000 | 3,722,000 | 4,938,000 |
| Noninterest income | 78,000 | 162,000 | 248,000 | 329,000 |
| Noninterest expense | 875,000 | 1,731,000 | 2,656,000 | 3,507,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 422,000 | 888,000 | 1,247,000 | 1,646,000 |
| Income tax | 25,000 | 46,000 | 62,000 | 79,000 |
| Net income | 397,000 | 842,000 | 1,185,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,377,000 | 16,783,000 | 17,013,000 | 16,396,000 |
| Total capital | 17,727,000 | 18,125,000 | 18,355,000 | 17,714,000 |
| Risk-weighted assets | 127,721,000 | 126,648,000 | 126,776,000 | 123,016,000 |