Call reports 2003
FIRST IPSWICH BANK — 2003
What FIRST IPSWICH BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 311,717,000 | 310,289,000 | 327,671,000 | 340,669,000 |
| Total loans | 145,307,000 | 153,922,000 | 155,112,000 | 157,838,000 |
| Allowance for loan losses | 1,213,000 | 1,233,000 | 1,183,000 | 1,182,000 |
| Securities available for sale | 128,583,000 | 104,916,000 | 109,732,000 | 116,948,000 |
| Securities held to maturity | 14,284,000 | 25,396,000 | 39,748,000 | 39,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,112,000 | 203,773,000 | 201,871,000 | 198,470,000 |
| Interest-bearing deposits | 156,535,000 | 165,408,000 | 162,361,000 | 159,632,000 |
| Noninterest-bearing deposits | 32,577,000 | 38,365,000 | 39,510,000 | 38,838,000 |
| Equity capital | 22,615,000 | 22,565,000 | 23,165,000 | 23,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,862,000 | 7,669,000 | 11,581,000 | 15,745,000 |
| Interest expense | 1,274,000 | 2,553,000 | 3,748,000 | 4,946,000 |
| Net interest income | 2,588,000 | 5,116,000 | 7,833,000 | 10,799,000 |
| Noninterest income | 644,000 | 1,262,000 | 2,244,000 | 2,790,000 |
| Noninterest expense | 2,642,000 | 5,516,000 | 8,471,000 | 11,524,000 |
| Provision for loan losses | 0 | 0 | -25,000 | -55,000 |
| Pretax income | 1,229,000 | 1,796,000 | 2,625,000 | 3,468,000 |
| Income tax | 391,000 | 565,000 | 820,000 | 1,099,000 |
| Net income | 838,000 | 1,231,000 | 1,805,000 | 2,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,295,000 | 22,480,000 | 22,846,000 | 23,180,000 |
| Total capital | 23,680,000 | 23,851,000 | 24,179,000 | 24,514,000 |
| Risk-weighted assets | 187,455,000 | 183,661,000 | 184,580,000 | 187,302,000 |