Call reports 2008
IPSWICH STATE BANK — 2008
What IPSWICH STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 37,508,000 | 37,784,000 | 38,667,000 | 38,862,000 |
| Total loans | 20,058,000 | 24,182,000 | 25,618,000 | 22,115,000 |
| Allowance for loan losses | 570,000 | 550,000 | 467,000 | 401,000 |
| Securities available for sale | 6,196,000 | 9,256,000 | 8,942,000 | 9,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,525,000 | 29,855,000 | 30,645,000 | 30,629,000 |
| Interest-bearing deposits | 24,143,000 | 23,804,000 | 24,871,000 | 24,350,000 |
| Noninterest-bearing deposits | 5,382,000 | 6,051,000 | 5,774,000 | 6,279,000 |
| Equity capital | 6,930,000 | 6,881,000 | 6,996,000 | 7,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,059,000 | 1,663,000 | 2,223,000 |
| Interest expense | 194,000 | 380,000 | 569,000 | 749,000 |
| Net interest income | 319,000 | 679,000 | 1,094,000 | 1,474,000 |
| Noninterest income | 53,000 | 109,000 | 171,000 | 221,000 |
| Noninterest expense | 258,000 | 541,000 | 810,000 | 1,169,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 254,000 | 455,000 | 534,000 |
| Income tax | 38,000 | 81,000 | 129,000 | 142,000 |
| Net income | 83,000 | 173,000 | 326,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,883,000 | 6,973,000 | 7,126,000 | 7,191,000 |
| Total capital | 7,223,000 | 7,369,000 | 7,541,000 | 7,574,000 |
| Risk-weighted assets | 26,978,000 | 31,543,000 | 33,143,000 | 30,599,000 |
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