Call reports 2020
IRELAND BANK — 2020
What IRELAND BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 250,796,000 | 286,643,000 | 300,515,000 | 297,748,000 |
| Total loans | 167,002,000 | 171,560,000 | 176,066,000 | 170,321,000 |
| Allowance for loan losses | 2,010,000 | 2,078,000 | 2,146,000 | 2,128,000 |
| Securities available for sale | 55,398,000 | 59,554,000 | 75,071,000 | 94,237,000 |
| Securities held to maturity | 3,667,000 | 3,447,000 | 3,202,000 | 2,301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,055,000 | 237,100,000 | 250,908,000 | 262,046,000 |
| Interest-bearing deposits | 126,503,000 | 131,987,000 | 140,879,000 | 144,472,000 |
| Noninterest-bearing deposits | 88,553,000 | 105,113,000 | 110,028,000 | 117,574,000 |
| Equity capital | 28,901,000 | 29,337,000 | 29,538,000 | 29,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,082,000 | 6,057,000 | 8,766,000 | 11,562,000 |
| Interest expense | 136,000 | 265,000 | 387,000 | 487,000 |
| Net interest income | 2,946,000 | 5,792,000 | 8,379,000 | 11,075,000 |
| Noninterest income | 479,000 | 1,088,000 | 1,655,000 | 2,416,000 |
| Noninterest expense | 2,554,000 | 4,991,000 | 7,684,000 | 10,207,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 140,000 |
| Pretax income | 828,000 | 1,795,000 | 2,195,000 | 3,133,000 |
| Income tax | 219,000 | 464,000 | 561,000 | 747,000 |
| Net income | 609,000 | 1,331,000 | 1,634,000 | 2,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,610,000 | 28,235,000 | 28,503,000 | 29,030,000 |
| Total capital | 29,512,000 | 30,059,000 | 30,384,000 | 30,906,000 |
| Risk-weighted assets | 151,952,000 | 145,605,000 | 150,086,000 | 149,717,000 |
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