Call reports 2019
IPSWICH STATE BANK — 2019
What IPSWICH STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 55,009,000 | 54,682,000 | 53,371,000 | 55,796,000 |
| Total loans | 31,592,000 | 31,662,000 | 30,608,000 | 29,246,000 |
| Allowance for loan losses | 129,000 | 134,000 | 132,000 | 132,000 |
| Securities available for sale | 11,521,000 | 11,594,000 | 10,278,000 | 9,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,447,000 | 44,860,000 | 43,388,000 | 45,679,000 |
| Interest-bearing deposits | 34,699,000 | 35,456,000 | 34,136,000 | 35,636,000 |
| Noninterest-bearing deposits | 10,748,000 | 9,404,000 | 9,252,000 | 10,043,000 |
| Equity capital | 8,646,000 | 8,885,000 | 9,079,000 | 9,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 533,000 | 1,083,000 | 1,619,000 | 2,152,000 |
| Interest expense | 80,000 | 163,000 | 250,000 | 340,000 |
| Net interest income | 453,000 | 920,000 | 1,369,000 | 1,812,000 |
| Noninterest income | 23,000 | 52,000 | 80,000 | 115,000 |
| Noninterest expense | 285,000 | 603,000 | 870,000 | 1,210,000 |
| Provision for loan losses | 5,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 186,000 | 359,000 | 571,000 | 709,000 |
| Income tax | 6,000 | 17,000 | 35,000 | 42,000 |
| Net income | 180,000 | 342,000 | 536,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,512,000 | 8,689,000 | 8,898,000 | 9,045,000 |
| Total capital | 8,641,000 | 8,823,000 | 9,030,000 | 9,177,000 |
| Risk-weighted assets | 40,524,000 | 40,402,000 | 38,380,000 | 37,851,000 |