Call reports 2015
IPSWICH STATE BANK — 2015
What IPSWICH STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,366,000 | 57,206,000 | 52,184,000 | 54,637,000 |
| Total loans | 28,548,000 | 32,004,000 | 28,414,000 | 28,734,000 |
| Allowance for loan losses | 98,000 | 94,000 | 94,000 | 94,000 |
| Securities available for sale | 14,916,000 | 15,660,000 | 15,522,000 | 13,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,753,000 | 45,329,000 | 43,548,000 | 45,883,000 |
| Interest-bearing deposits | 35,995,000 | 36,585,000 | 33,177,000 | 34,509,000 |
| Noninterest-bearing deposits | 9,758,000 | 8,744,000 | 10,371,000 | 11,374,000 |
| Equity capital | 7,393,000 | 7,384,000 | 7,648,000 | 7,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 838,000 | 1,250,000 | 1,718,000 |
| Interest expense | 55,000 | 110,000 | 165,000 | 219,000 |
| Net interest income | 377,000 | 728,000 | 1,085,000 | 1,499,000 |
| Noninterest income | 31,000 | 61,000 | 92,000 | 120,000 |
| Noninterest expense | 277,000 | 556,000 | 806,000 | 1,129,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 131,000 | 233,000 | 371,000 | 490,000 |
| Income tax | 1,000 | 11,000 | 18,000 | 23,000 |
| Net income | 130,000 | 222,000 | 353,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,210,000 | 7,308,000 | 7,445,000 | 7,564,000 |
| Total capital | 7,308,000 | 7,402,000 | 7,539,000 | 7,658,000 |
| Risk-weighted assets | 37,231,000 | 39,761,000 | 37,300,000 | 37,955,000 |