Call reports 2012
IPSWICH STATE BANK — 2012
What IPSWICH STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,542,000 | 55,066,000 | 54,377,000 | 58,951,000 |
| Total loans | 22,379,000 | 23,368,000 | 23,373,000 | 26,347,000 |
| Allowance for loan losses | 567,000 | 556,000 | 10,000 | 10,000 |
| Securities available for sale | 13,803,000 | 15,455,000 | 15,150,000 | 14,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,389,000 | 43,667,000 | 44,420,000 | 47,898,000 |
| Interest-bearing deposits | 34,564,000 | 34,998,000 | 35,625,000 | 37,091,000 |
| Noninterest-bearing deposits | 9,825,000 | 8,669,000 | 8,795,000 | 10,807,000 |
| Equity capital | 8,795,000 | 8,063,000 | 6,441,000 | 6,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 980,000 | 423,000 | 856,000 |
| Interest expense | 122,000 | 232,000 | 88,000 | 188,000 |
| Net interest income | 399,000 | 748,000 | 335,000 | 668,000 |
| Noninterest income | 48,000 | 89,000 | 33,000 | 70,000 |
| Noninterest expense | 292,000 | 574,000 | 221,000 | 492,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 155,000 | 263,000 | 147,000 | 240,000 |
| Income tax | 41,000 | 43,000 | 474,000 | 482,000 |
| Net income | 114,000 | 220,000 | -327,000 | -242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,445,000 | 7,631,000 | 6,343,000 | 6,428,000 |
| Total capital | 8,829,000 | 8,020,000 | 6,353,000 | 6,438,000 |
| Risk-weighted assets | 30,511,000 | 30,990,000 | 32,286,000 | 34,896,000 |