Call reports 2013
IPSWICH STATE BANK — 2013
What IPSWICH STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,927,000 | 54,785,000 | 52,563,000 | 57,209,000 |
| Total loans | 20,904,000 | 23,170,000 | 26,683,000 | 29,974,000 |
| Allowance for loan losses | 10,000 | 25,000 | 50,000 | 62,000 |
| Securities available for sale | 16,256,000 | 17,692,000 | 17,774,000 | 17,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,752,000 | 44,989,000 | 42,486,000 | 46,162,000 |
| Interest-bearing deposits | 37,192,000 | 36,721,000 | 34,448,000 | 36,706,000 |
| Noninterest-bearing deposits | 10,560,000 | 8,268,000 | 8,038,000 | 9,456,000 |
| Equity capital | 6,550,000 | 5,968,000 | 6,219,000 | 6,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 780,000 | 1,242,000 | 1,660,000 |
| Interest expense | 92,000 | 179,000 | 259,000 | 331,000 |
| Net interest income | 319,000 | 601,000 | 983,000 | 1,329,000 |
| Noninterest income | 48,000 | 82,000 | 145,000 | 187,000 |
| Noninterest expense | 286,000 | 566,000 | 808,000 | 1,124,000 |
| Provision for loan losses | 0 | 16,000 | 42,000 | 52,000 |
| Pretax income | 81,000 | 101,000 | 278,000 | 342,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 32,000 |
| Net income | 73,000 | 85,000 | 253,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,502,000 | 6,088,000 | 6,271,000 | 6,343,000 |
| Total capital | 6,512,000 | 6,113,000 | 6,320,000 | 6,405,000 |
| Risk-weighted assets | 30,028,000 | 31,727,000 | 35,169,000 | 38,267,000 |
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