Call reports 2005
IPSWICH CO-OPERATIVE BANK — 2005
What IPSWICH CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,163,000 | 193,075,000 | 202,742,000 | 210,304,000 |
| Total loans | 127,544,000 | 135,785,000 | 146,626,000 | 157,124,000 |
| Allowance for loan losses | 727,000 | 753,000 | 785,000 | 815,000 |
| Securities available for sale | 15,225,000 | 15,429,000 | 18,957,000 | 17,980,000 |
| Securities held to maturity | 23,487,000 | 23,089,000 | 22,623,000 | 23,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,792,000 | 153,193,000 | 161,772,000 | 167,421,000 |
| Interest-bearing deposits | 141,130,000 | 146,915,000 | 154,202,000 | 160,371,000 |
| Noninterest-bearing deposits | 6,662,000 | 6,278,000 | 7,570,000 | 7,050,000 |
| Equity capital | 13,644,000 | 14,074,000 | 14,455,000 | 14,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,175,000 | 4,520,000 | 7,031,000 | 9,745,000 |
| Interest expense | 891,000 | 1,879,000 | 3,006,000 | 4,286,000 |
| Net interest income | 1,284,000 | 2,641,000 | 4,025,000 | 5,459,000 |
| Noninterest income | 81,000 | 168,000 | 229,000 | 297,000 |
| Noninterest expense | 821,000 | 1,648,000 | 2,463,000 | 3,480,000 |
| Provision for loan losses | 18,000 | 44,000 | 74,000 | 104,000 |
| Pretax income | 568,000 | 1,185,000 | 1,856,000 | 2,363,000 |
| Income tax | 199,000 | 421,000 | 670,000 | 842,000 |
| Net income | 369,000 | 764,000 | 1,186,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,551,000 | 14,003,000 | 14,453,000 | 14,826,000 |
| Total capital | 14,278,000 | 14,756,000 | 15,238,000 | 15,641,000 |
| Risk-weighted assets | 105,678,000 | 112,820,000 | 118,923,000 | 124,682,000 |