Call reports 2007
IVES BANK — 2007
What IVES BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 607,445,000 | 610,846,000 | 604,402,000 | 606,485,000 |
| Total loans | 455,859,000 | 453,967,000 | 458,925,000 | 478,212,000 |
| Allowance for loan losses | 4,644,000 | 3,882,000 | 3,980,000 | 4,336,000 |
| Securities available for sale | 113,354,000 | 111,120,000 | 113,012,000 | 98,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,507,000 | 471,349,000 | 469,421,000 | 473,092,000 |
| Interest-bearing deposits | 448,245,000 | 447,229,000 | 447,736,000 | 450,330,000 |
| Noninterest-bearing deposits | 22,262,000 | 24,120,000 | 21,685,000 | 22,762,000 |
| Equity capital | 69,367,000 | 69,821,000 | 70,832,000 | 70,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,878,000 | 17,895,000 | 26,915,000 | 36,046,000 |
| Interest expense | 4,401,000 | 8,828,000 | 13,378,000 | 18,072,000 |
| Net interest income | 4,477,000 | 9,067,000 | 13,537,000 | 17,974,000 |
| Noninterest income | 667,000 | 1,251,000 | 1,875,000 | 2,567,000 |
| Noninterest expense | 4,175,000 | 8,759,000 | 13,083,000 | 17,742,000 |
| Provision for loan losses | 150,000 | -617,000 | -520,000 | -209,000 |
| Pretax income | 500,000 | 1,877,000 | 2,550,000 | 2,709,000 |
| Income tax | 71,000 | 447,000 | 573,000 | 509,000 |
| Net income | 429,000 | 1,430,000 | 1,977,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,952,000 | 66,954,000 | 67,499,000 | 67,856,000 |
| Total capital | 71,988,000 | 72,367,000 | 73,055,000 | 73,708,000 |
| Risk-weighted assets | 418,469,000 | 425,938,000 | 428,248,000 | 430,172,000 |