Call reports 2004
IVES BANK — 2004
What IVES BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 512,165,000 | 521,256,000 | 510,708,000 | 514,915,000 |
| Total loans | 305,226,000 | 312,326,000 | 329,493,000 | 338,101,000 |
| Allowance for loan losses | 2,839,000 | 2,901,000 | 3,072,000 | 3,207,000 |
| Securities available for sale | 166,926,000 | 161,578,000 | 147,923,000 | 146,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,246,000 | 372,424,000 | 362,059,000 | 368,594,000 |
| Interest-bearing deposits | 314,505,000 | 316,450,000 | 313,545,000 | 350,509,000 |
| Noninterest-bearing deposits | 47,741,000 | 55,974,000 | 48,514,000 | 18,085,000 |
| Equity capital | 62,946,000 | 61,831,000 | 62,960,000 | 63,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,149,000 | 12,195,000 | 18,414,000 | 24,870,000 |
| Interest expense | 2,240,000 | 4,426,000 | 6,602,000 | 8,824,000 |
| Net interest income | 3,909,000 | 7,769,000 | 11,812,000 | 16,046,000 |
| Noninterest income | 410,000 | 826,000 | 1,212,000 | 1,591,000 |
| Noninterest expense | 3,941,000 | 7,407,000 | 10,804,000 | 14,236,000 |
| Provision for loan losses | 0 | 60,000 | 229,000 | 363,000 |
| Pretax income | 1,320,000 | 2,070,000 | 2,967,000 | 4,014,000 |
| Income tax | 208,000 | 449,000 | 730,000 | 1,000,000 |
| Net income | 1,112,000 | 1,621,000 | 2,237,000 | 3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,834,000 | 58,348,000 | 58,965,000 | 59,852,000 |
| Total capital | 61,576,000 | 62,194,000 | 62,995,000 | 64,148,000 |
| Risk-weighted assets | 302,017,000 | 305,307,000 | 299,972,000 | 310,078,000 |