Call reports 2025
IMPACT BANK — 2025
What IMPACT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 162,063,000 | 159,164,000 | 158,860,000 | 164,393,000 |
| Total loans | 107,529,000 | 104,418,000 | 100,450,000 | 101,581,000 |
| Allowance for loan losses | 1,228,000 | 1,229,000 | 1,228,000 | 1,266,000 |
| Securities available for sale | 40,483,000 | 39,949,000 | 40,393,000 | 40,234,000 |
| Securities held to maturity | 1,101,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,303,000 | 139,704,000 | 138,959,000 | 151,960,000 |
| Interest-bearing deposits | 115,383,000 | 115,568,000 | 112,748,000 | 127,048,000 |
| Noninterest-bearing deposits | 26,920,000 | 24,136,000 | 26,211,000 | 24,912,000 |
| Equity capital | 9,452,000 | 9,927,000 | 11,583,000 | 11,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,114,000 | 4,240,000 | 6,302,000 | 8,667,000 |
| Interest expense | 852,000 | 1,672,000 | 2,461,000 | 3,175,000 |
| Net interest income | 1,262,000 | 2,568,000 | 3,841,000 | 5,492,000 |
| Noninterest income | 77,000 | 159,000 | 255,000 | 333,000 |
| Noninterest expense | 892,000 | 1,760,000 | 2,646,000 | 3,594,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 446,000 | 968,000 | 1,453,000 | 2,197,000 |
| Income tax | -22,000 | -2,000 | 17,000 | 46,000 |
| Net income | 468,000 | 970,000 | 1,436,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,798,000 | 17,247,000 | 17,614,000 | 17,245,000 |
| Total capital | 18,056,000 | 18,506,000 | 18,872,000 | 18,541,000 |
| Risk-weighted assets | 120,351,000 | 120,039,000 | 121,669,000 | 118,858,000 |