Call reports 2003
IPSWICH CO-OPERATIVE BANK — 2003
What IPSWICH CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,904,000 | 133,297,000 | 136,263,000 | 137,807,000 |
| Total loans | 77,131,000 | 83,124,000 | 83,669,000 | 85,135,000 |
| Allowance for loan losses | 592,000 | 604,000 | 617,000 | 629,000 |
| Securities available for sale | 35,087,000 | 35,382,000 | 29,285,000 | 24,900,000 |
| Securities held to maturity | 1,683,000 | 1,416,000 | 8,670,000 | 14,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,796,000 | 114,343,000 | 117,270,000 | 118,437,000 |
| Interest-bearing deposits | 107,416,000 | 108,670,000 | 111,380,000 | 112,128,000 |
| Noninterest-bearing deposits | 5,380,000 | 5,673,000 | 5,890,000 | 6,309,000 |
| Equity capital | 10,849,000 | 11,778,000 | 12,034,000 | 12,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,766,000 | 3,635,000 | 5,368,000 | 7,118,000 |
| Interest expense | 732,000 | 1,463,000 | 2,155,000 | 2,830,000 |
| Net interest income | 1,034,000 | 2,172,000 | 3,213,000 | 4,288,000 |
| Noninterest income | 103,000 | 188,000 | 294,000 | 382,000 |
| Noninterest expense | 704,000 | 1,358,000 | 2,023,000 | 2,751,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 648,000 | 1,315,000 | 1,859,000 | 2,566,000 |
| Income tax | 229,000 | 482,000 | 675,000 | 928,000 |
| Net income | 419,000 | 833,000 | 1,184,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,674,000 | 10,544,000 | 10,931,000 | 11,775,000 |
| Total capital | 10,266,000 | 11,148,000 | 11,548,000 | 12,404,000 |
| Risk-weighted assets | 81,799,000 | 84,686,000 | 86,228,000 | 84,150,000 |
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