Call reports 2004
IPSWICH CO-OPERATIVE BANK — 2004
What IPSWICH CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 146,294,000 | 157,041,000 | 165,783,000 | 169,349,000 |
| Total loans | 88,505,000 | 102,619,000 | 113,006,000 | 118,636,000 |
| Allowance for loan losses | 661,000 | 677,000 | 695,000 | 709,000 |
| Securities available for sale | 21,643,000 | 20,859,000 | 15,817,000 | 15,317,000 |
| Securities held to maturity | 18,056,000 | 21,256,000 | 21,929,000 | 23,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,825,000 | 128,836,000 | 135,059,000 | 139,973,000 |
| Interest-bearing deposits | 116,376,000 | 123,077,000 | 127,877,000 | 134,132,000 |
| Noninterest-bearing deposits | 5,449,000 | 5,759,000 | 7,182,000 | 5,841,000 |
| Equity capital | 12,873,000 | 12,844,000 | 13,163,000 | 13,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,741,000 | 3,597,000 | 5,548,000 | 7,620,000 |
| Interest expense | 673,000 | 1,383,000 | 2,152,000 | 2,983,000 |
| Net interest income | 1,068,000 | 2,214,000 | 3,396,000 | 4,637,000 |
| Noninterest income | 77,000 | 155,000 | 234,000 | 311,000 |
| Noninterest expense | 731,000 | 1,440,000 | 2,178,000 | 2,962,000 |
| Provision for loan losses | 32,000 | 48,000 | 66,000 | 84,000 |
| Pretax income | 638,000 | 1,247,000 | 1,806,000 | 2,379,000 |
| Income tax | 230,000 | 465,000 | 663,000 | 867,000 |
| Net income | 408,000 | 782,000 | 1,143,000 | 1,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,112,000 | 12,474,000 | 12,700,000 | 13,298,000 |
| Total capital | 12,773,000 | 13,151,000 | 13,395,000 | 14,007,000 |
| Risk-weighted assets | 86,274,000 | 93,446,000 | 95,157,000 | 97,889,000 |