Call reports 2005
IVES BANK — 2005
What IVES BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 531,912,000 | 555,243,000 | 564,263,000 | 574,716,000 |
| Total loans | 358,200,000 | 380,324,000 | 397,147,000 | 412,622,000 |
| Allowance for loan losses | 3,250,000 | 3,426,000 | 3,742,000 | 3,852,000 |
| Securities available for sale | 137,170,000 | 138,852,000 | 132,128,000 | 126,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,159,000 | 401,218,000 | 406,776,000 | 422,392,000 |
| Interest-bearing deposits | 355,863,000 | 374,277,000 | 389,236,000 | 406,169,000 |
| Noninterest-bearing deposits | 22,296,000 | 26,941,000 | 17,540,000 | 16,223,000 |
| Equity capital | 63,745,000 | 64,755,000 | 64,453,000 | 65,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,599,000 | 13,666,000 | 21,038,000 | 28,760,000 |
| Interest expense | 2,243,000 | 4,803,000 | 7,741,000 | 10,939,000 |
| Net interest income | 4,356,000 | 8,863,000 | 13,297,000 | 17,821,000 |
| Noninterest income | 378,000 | 831,000 | 1,338,000 | 1,819,000 |
| Noninterest expense | 3,609,000 | 7,369,000 | 11,203,000 | 14,746,000 |
| Provision for loan losses | 41,000 | 241,000 | 556,000 | 671,000 |
| Pretax income | 1,084,000 | 2,084,000 | 2,876,000 | 4,223,000 |
| Income tax | 332,000 | 615,000 | 823,000 | 1,202,000 |
| Net income | 752,000 | 1,469,000 | 2,053,000 | 3,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,606,000 | 61,324,000 | 61,903,000 | 62,871,000 |
| Total capital | 64,820,000 | 65,612,000 | 66,397,000 | 67,736,000 |
| Risk-weighted assets | 324,238,000 | 345,801,000 | 358,197,000 | 365,939,000 |