Call reports 2004
IPSWICH STATE BANK — 2004
What IPSWICH STATE 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 | 34,876,000 | 35,522,000 | 34,694,000 | 36,166,000 |
| Total loans | 17,053,000 | 19,304,000 | 20,106,000 | 19,286,000 |
| Allowance for loan losses | 521,000 | 521,000 | 444,000 | 446,000 |
| Securities available for sale | 13,757,000 | 12,989,000 | 11,506,000 | 9,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,156,000 | 28,154,000 | 27,206,000 | 29,477,000 |
| Interest-bearing deposits | 23,854,000 | 23,905,000 | 23,364,000 | 24,273,000 |
| Noninterest-bearing deposits | 4,302,000 | 4,249,000 | 3,842,000 | 5,204,000 |
| Equity capital | 6,007,000 | 5,777,000 | 6,069,000 | 6,104,000 |
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 | 474,000 | 964,000 | 1,462,000 | 1,955,000 |
| Interest expense | 147,000 | 289,000 | 427,000 | 557,000 |
| Net interest income | 327,000 | 675,000 | 1,035,000 | 1,398,000 |
| Noninterest income | 34,000 | 67,000 | 105,000 | 145,000 |
| Noninterest expense | 213,000 | 449,000 | 651,000 | 960,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 305,000 | 516,000 | 606,000 |
| Income tax | 46,000 | 90,000 | 159,000 | 178,000 |
| Net income | 108,000 | 215,000 | 357,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,740,000 | 5,847,000 | 5,989,000 | 6,060,000 |
| Total capital | 6,044,000 | 6,176,000 | 6,322,000 | 6,388,000 |
| Risk-weighted assets | 24,087,000 | 26,132,000 | 26,500,000 | 26,132,000 |
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