Call reports 2006
IVES BANK — 2006
What IVES BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 575,670,000 | 588,144,000 | 597,173,000 | 602,198,000 |
| Total loans | 420,715,000 | 426,427,000 | 441,193,000 | 446,460,000 |
| Allowance for loan losses | 3,932,000 | 3,878,000 | 4,312,000 | 4,492,000 |
| Securities available for sale | 116,908,000 | 119,153,000 | 116,974,000 | 118,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,410,000 | 443,588,000 | 452,553,000 | 459,314,000 |
| Interest-bearing deposits | 404,321,000 | 423,446,000 | 431,545,000 | 439,281,000 |
| Noninterest-bearing deposits | 16,089,000 | 20,142,000 | 21,008,000 | 20,033,000 |
| Equity capital | 65,749,000 | 65,999,000 | 67,460,000 | 68,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,955,000 | 16,158,000 | 24,765,000 | 33,610,000 |
| Interest expense | 3,387,000 | 6,961,000 | 10,867,000 | 15,101,000 |
| Net interest income | 4,568,000 | 9,197,000 | 13,898,000 | 18,509,000 |
| Noninterest income | 424,000 | 958,000 | 1,624,000 | 2,221,000 |
| Noninterest expense | 3,950,000 | 8,087,000 | 12,725,000 | 16,899,000 |
| Provision for loan losses | 75,000 | 20,000 | 453,000 | 643,000 |
| Pretax income | 967,000 | 2,048,000 | 2,663,000 | 3,507,000 |
| Income tax | 266,000 | 547,000 | 555,000 | 698,000 |
| Net income | 701,000 | 1,501,000 | 2,108,000 | 2,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,569,000 | 64,368,000 | 64,975,000 | 65,540,000 |
| Total capital | 68,589,000 | 69,297,000 | 70,305,000 | 71,121,000 |
| Risk-weighted assets | 367,293,000 | 379,030,000 | 400,509,000 | 413,562,000 |