Call reports 2025
IPSWICH STATE BANK — 2025
What IPSWICH STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 68,513,000 | 67,154,000 | 70,536,000 | 75,071,000 |
| Total loans | 27,681,000 | 30,587,000 | 36,124,000 | 34,462,000 |
| Allowance for loan losses | 255,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 14,268,000 | 15,097,000 | 13,550,000 | 14,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,556,000 | 55,660,000 | 58,657,000 | 62,753,000 |
| Interest-bearing deposits | 39,031,000 | 40,507,000 | 42,312,000 | 44,007,000 |
| Noninterest-bearing deposits | 18,525,000 | 15,153,000 | 16,345,000 | 18,746,000 |
| Equity capital | 10,207,000 | 10,671,000 | 11,104,000 | 11,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 758,000 | 1,561,000 | 2,404,000 | 3,288,000 |
| Interest expense | 199,000 | 409,000 | 628,000 | 857,000 |
| Net interest income | 559,000 | 1,152,000 | 1,776,000 | 2,431,000 |
| Noninterest income | 18,000 | 34,000 | 52,000 | 73,000 |
| Noninterest expense | 288,000 | 585,000 | 895,000 | 1,258,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 289,000 | 601,000 | 933,000 | 1,246,000 |
| Income tax | 8,000 | 22,000 | 42,000 | 52,000 |
| Net income | 281,000 | 579,000 | 891,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,453,000 | 10,752,000 | 11,064,000 | 11,366,000 |
| Total capital | 10,708,000 | 11,007,000 | 11,319,000 | 11,621,000 |
| Risk-weighted assets | 34,209,000 | 36,733,000 | 42,467,000 | 41,820,000 |