Call reports 2009
IVES BANK — 2009
What IVES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 680,605,000 | 704,809,000 | 724,343,000 | 732,428,000 |
| Total loans | 571,480,000 | 585,291,000 | 596,791,000 | 606,104,000 |
| Allowance for loan losses | 6,303,000 | 6,659,000 | 6,460,000 | 6,777,000 |
| Securities available for sale | 76,054,000 | 65,106,000 | 60,213,000 | 60,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,865,000 | 515,021,000 | 534,141,000 | 549,413,000 |
| Interest-bearing deposits | 462,615,000 | 491,879,000 | 511,214,000 | 521,168,000 |
| Noninterest-bearing deposits | 25,250,000 | 23,142,000 | 22,927,000 | 28,245,000 |
| Equity capital | 67,253,000 | 69,227,000 | 70,803,000 | 71,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,901,000 | 17,704,000 | 26,555,000 | 35,446,000 |
| Interest expense | 3,613,000 | 7,207,000 | 10,727,000 | 13,994,000 |
| Net interest income | 5,288,000 | 10,497,000 | 15,828,000 | 21,452,000 |
| Noninterest income | 1,083,000 | 2,331,000 | 3,178,000 | 3,971,000 |
| Noninterest expense | 4,848,000 | 10,228,000 | 15,161,000 | 20,501,000 |
| Provision for loan losses | 193,000 | 686,000 | 1,075,000 | 1,587,000 |
| Pretax income | 1,330,000 | 1,914,000 | 2,770,000 | 3,335,000 |
| Income tax | 447,000 | 671,000 | 931,000 | 1,119,000 |
| Net income | 883,000 | 1,243,000 | 1,839,000 | 2,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,021,000 | 69,920,000 | 70,951,000 | 71,327,000 |
| Total capital | 75,085,000 | 76,286,000 | 77,771,000 | 78,395,000 |
| Risk-weighted assets | 484,799,000 | 492,688,000 | 507,700,000 | 523,209,000 |