Call reports 2003
IVES BANK — 2003
What IVES BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 499,474,000 | 521,110,000 | 515,592,000 | 516,017,000 |
| Total loans | 290,602,000 | 295,427,000 | 301,019,000 | 303,186,000 |
| Allowance for loan losses | 2,702,000 | 2,879,000 | 2,872,000 | 2,839,000 |
| Securities available for sale | 175,300,000 | 184,198,000 | 173,695,000 | 171,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,182,000 | 361,147,000 | 352,741,000 | 360,278,000 |
| Interest-bearing deposits | 304,088,000 | 314,796,000 | 311,133,000 | 315,876,000 |
| Noninterest-bearing deposits | 38,094,000 | 46,351,000 | 41,608,000 | 44,402,000 |
| Equity capital | 60,008,000 | 61,019,000 | 61,086,000 | 61,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,693,000 | 13,120,000 | 19,253,000 | 25,381,000 |
| Interest expense | 2,879,000 | 5,614,000 | 8,225,000 | 10,639,000 |
| Net interest income | 3,814,000 | 7,506,000 | 11,028,000 | 14,742,000 |
| Noninterest income | 684,000 | 1,079,000 | 1,525,000 | 1,960,000 |
| Noninterest expense | 2,888,000 | 5,843,000 | 8,988,000 | 12,628,000 |
| Provision for loan losses | 0 | 192,000 | 204,000 | 204,000 |
| Pretax income | 1,610,000 | 2,550,000 | 3,361,000 | 4,357,000 |
| Income tax | 518,000 | 807,000 | 1,052,000 | 1,149,000 |
| Net income | 1,092,000 | 1,743,000 | 2,309,000 | 3,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,493,000 | 55,546,000 | 55,731,000 | 56,825,000 |
| Total capital | 58,009,000 | 59,680,000 | 59,821,000 | 61,013,000 |
| Risk-weighted assets | 305,462,000 | 318,426,000 | 304,902,000 | 305,191,000 |