Call reports 2004
FIRST IPSWICH BANK — 2004
What FIRST IPSWICH BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 330,034,000 | 387,248,000 | 385,032,000 | 386,580,000 |
| Total loans | 160,627,000 | 165,285,000 | 166,899,000 | 170,223,000 |
| Allowance for loan losses | 1,176,000 | 1,155,000 | 1,125,000 | 1,177,000 |
| Securities available for sale | 105,663,000 | 155,870,000 | 151,515,000 | 153,883,000 |
| Securities held to maturity | 37,970,000 | 34,417,000 | 32,971,000 | 31,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,144,000 | 248,553,000 | 259,350,000 | 254,881,000 |
| Interest-bearing deposits | 155,284,000 | 199,733,000 | 212,620,000 | 213,745,000 |
| Noninterest-bearing deposits | 39,860,000 | 48,820,000 | 46,730,000 | 41,136,000 |
| Equity capital | 23,707,000 | 22,395,000 | 25,691,000 | 25,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,098,000 | 8,157,000 | 12,553,000 | 16,923,000 |
| Interest expense | 1,181,000 | 2,509,000 | 4,036,000 | 5,615,000 |
| Net interest income | 2,917,000 | 5,648,000 | 8,517,000 | 11,308,000 |
| Noninterest income | 627,000 | 1,426,000 | 2,155,000 | 2,914,000 |
| Noninterest expense | 3,304,000 | 6,816,000 | 10,232,000 | 13,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 626,000 | 634,000 | 1,218,000 | 941,000 |
| Income tax | 175,000 | 126,000 | 289,000 | 66,000 |
| Net income | 451,000 | 508,000 | 929,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,609,000 | 23,138,000 | 25,451,000 | 23,620,000 |
| Total capital | 24,942,000 | 24,456,000 | 26,746,000 | 24,960,000 |
| Risk-weighted assets | 183,335,000 | 207,028,000 | 206,582,000 | 220,641,000 |