Call reports 2015
IVES BANK — 2015
What IVES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 886,157,000 | 893,033,000 | 908,269,000 | 919,891,000 |
| Total loans | 750,254,000 | 756,920,000 | 773,656,000 | 782,414,000 |
| Allowance for loan losses | 6,979,000 | 6,912,000 | 7,102,000 | 7,283,000 |
| Securities available for sale | 73,398,000 | 80,254,000 | 78,372,000 | 82,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,173,000 | 684,733,000 | 682,170,000 | 702,667,000 |
| Interest-bearing deposits | 631,745,000 | 637,917,000 | 638,547,000 | 650,785,000 |
| Noninterest-bearing deposits | 43,428,000 | 46,816,000 | 43,623,000 | 51,882,000 |
| Equity capital | 88,000,000 | 91,374,000 | 93,472,000 | 93,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,507,000 | 16,969,000 | 25,626,000 | 34,455,000 |
| Interest expense | 1,552,000 | 3,099,000 | 4,652,000 | 6,218,000 |
| Net interest income | 6,955,000 | 13,870,000 | 20,974,000 | 28,237,000 |
| Noninterest income | 1,843,000 | 3,325,000 | 4,907,000 | 6,442,000 |
| Noninterest expense | 5,481,000 | 11,165,000 | 17,181,000 | 23,847,000 |
| Provision for loan losses | 133,000 | 567,000 | 848,000 | 1,529,000 |
| Pretax income | 3,234,000 | 5,513,000 | 7,902,000 | 9,353,000 |
| Income tax | 1,099,000 | 1,866,000 | 2,664,000 | 3,129,000 |
| Net income | 2,135,000 | 3,647,000 | 5,238,000 | 6,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,786,000 | 91,297,000 | 92,889,000 | 93,875,000 |
| Total capital | 97,497,000 | 98,996,000 | 100,793,000 | 101,969,000 |
| Risk-weighted assets | 641,710,000 | 672,521,000 | 665,989,000 | 684,233,000 |