Call reports 2016
IPSWICH STATE BANK — 2016
What IPSWICH STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 52,290,000 | 54,203,000 | 52,282,000 | 54,095,000 |
| Total loans | 28,094,000 | 31,059,000 | 29,669,000 | 30,186,000 |
| Allowance for loan losses | 94,000 | 94,000 | 95,000 | 98,000 |
| Securities available for sale | 13,136,000 | 13,225,000 | 11,646,000 | 11,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,474,000 | 45,064,000 | 42,950,000 | 44,920,000 |
| Interest-bearing deposits | 34,036,000 | 35,724,000 | 33,552,000 | 34,896,000 |
| Noninterest-bearing deposits | 9,438,000 | 9,340,000 | 9,398,000 | 10,024,000 |
| Equity capital | 7,840,000 | 8,151,000 | 8,309,000 | 8,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 474,000 | 976,000 | 1,484,000 | 1,961,000 |
| Interest expense | 47,000 | 95,000 | 146,000 | 198,000 |
| Net interest income | 427,000 | 881,000 | 1,338,000 | 1,763,000 |
| Noninterest income | 29,000 | 60,000 | 93,000 | 132,000 |
| Noninterest expense | 282,000 | 556,000 | 820,000 | 1,153,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 174,000 | 385,000 | 611,000 | 739,000 |
| Income tax | 3,000 | 14,000 | 35,000 | 33,000 |
| Net income | 171,000 | 371,000 | 576,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,491,000 | 7,700,000 | 7,914,000 | 8,053,000 |
| Total capital | 7,585,000 | 7,794,000 | 8,009,000 | 8,151,000 |
| Risk-weighted assets | 37,422,000 | 39,367,000 | 37,875,000 | 38,602,000 |