Call reports 2010
IVES BANK — 2010
What IVES BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 746,872,000 | 760,618,000 | 754,352,000 | 759,268,000 |
| Total loans | 604,438,000 | 596,974,000 | 594,035,000 | 608,700,000 |
| Allowance for loan losses | 6,155,000 | 7,901,000 | 8,277,000 | 6,357,000 |
| Securities available for sale | 61,728,000 | 81,913,000 | 88,287,000 | 96,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,826,000 | 580,917,000 | 580,609,000 | 588,435,000 |
| Interest-bearing deposits | 538,459,000 | 554,220,000 | 554,253,000 | 560,864,000 |
| Noninterest-bearing deposits | 28,367,000 | 26,697,000 | 26,356,000 | 27,571,000 |
| Equity capital | 71,795,000 | 72,166,000 | 72,424,000 | 73,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,763,000 | 17,900,000 | 26,523,000 | 35,106,000 |
| Interest expense | 3,069,000 | 6,150,000 | 9,059,000 | 11,759,000 |
| Net interest income | 5,694,000 | 11,750,000 | 17,464,000 | 23,347,000 |
| Noninterest income | 810,000 | 1,645,000 | 3,399,000 | 5,620,000 |
| Noninterest expense | 5,115,000 | 10,221,000 | 15,414,000 | 20,999,000 |
| Provision for loan losses | 1,793,000 | 3,533,000 | 5,610,000 | 6,412,000 |
| Pretax income | -404,000 | -359,000 | -161,000 | 1,633,000 |
| Income tax | -134,000 | -120,000 | -51,000 | 503,000 |
| Net income | -270,000 | -239,000 | -110,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,043,000 | 71,069,000 | 71,165,000 | 72,347,000 |
| Total capital | 77,904,000 | 77,947,000 | 78,039,000 | 79,300,000 |
| Risk-weighted assets | 514,132,000 | 509,606,000 | 510,155,000 | 515,799,000 |