Call reports 2008
IVES BANK — 2008
What IVES BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 636,573,000 | 653,426,000 | 680,773,000 | 710,628,000 |
| Total loans | 496,817,000 | 530,742,000 | 573,088,000 | 596,978,000 |
| Allowance for loan losses | 4,658,000 | 4,770,000 | 5,915,000 | 6,110,000 |
| Securities available for sale | 88,255,000 | 85,368,000 | 77,677,000 | 81,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,506,000 | 478,719,000 | 471,002,000 | 467,775,000 |
| Interest-bearing deposits | 453,519,000 | 453,419,000 | 447,258,000 | 447,323,000 |
| Noninterest-bearing deposits | 23,987,000 | 25,300,000 | 23,744,000 | 20,452,000 |
| Equity capital | 70,325,000 | 69,683,000 | 69,992,000 | 67,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,861,000 | 17,598,000 | 27,110,000 | 36,555,000 |
| Interest expense | 4,547,000 | 8,778,000 | 12,865,000 | 16,838,000 |
| Net interest income | 4,314,000 | 8,820,000 | 14,245,000 | 19,717,000 |
| Noninterest income | 619,000 | 1,213,000 | 1,883,000 | 2,485,000 |
| Noninterest expense | 4,429,000 | 8,891,000 | 13,474,000 | 18,014,000 |
| Provision for loan losses | 322,000 | 436,000 | 1,580,000 | 2,491,000 |
| Pretax income | 182,000 | 706,000 | 1,074,000 | 1,697,000 |
| Income tax | 19,000 | 144,000 | 234,000 | 391,000 |
| Net income | 163,000 | 562,000 | 840,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,020,000 | 68,422,000 | 68,703,000 | 69,169,000 |
| Total capital | 73,995,000 | 74,086,000 | 75,440,000 | 75,526,000 |
| Risk-weighted assets | 435,119,000 | 456,621,000 | 481,702,000 | 493,453,000 |