Call reports 2005
FIRST IPSWICH BANK — 2005
What FIRST IPSWICH BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 386,673,000 | 408,560,000 | 389,508,000 | 393,820,000 |
| Total loans | 173,953,000 | 226,456,000 | 229,884,000 | 236,315,000 |
| Allowance for loan losses | 1,195,000 | 1,450,000 | 1,496,000 | 1,550,000 |
| Securities available for sale | 147,523,000 | 110,066,000 | 90,031,000 | 88,257,000 |
| Securities held to maturity | 31,552,000 | 30,357,000 | 29,350,000 | 28,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,457,000 | 243,692,000 | 267,787,000 | 258,919,000 |
| Interest-bearing deposits | 188,989,000 | 193,285,000 | 213,418,000 | 208,143,000 |
| Noninterest-bearing deposits | 43,468,000 | 50,408,000 | 54,369,000 | 50,777,000 |
| Equity capital | 25,441,000 | 32,616,000 | 32,273,000 | 30,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,444,000 | 9,010,000 | 14,156,000 | 19,491,000 |
| Interest expense | 1,678,000 | 3,481,000 | 5,398,000 | 7,652,000 |
| Net interest income | 2,766,000 | 5,529,000 | 8,758,000 | 11,839,000 |
| Noninterest income | 1,145,000 | 2,277,000 | 3,736,000 | 5,119,000 |
| Noninterest expense | 3,672,000 | 7,378,000 | 11,613,000 | 16,370,000 |
| Provision for loan losses | 40,000 | 107,000 | 185,000 | 240,000 |
| Pretax income | 244,000 | 382,000 | 754,000 | 417,000 |
| Income tax | 21,000 | 64,000 | 146,000 | -45,000 |
| Net income | 223,000 | 318,000 | 608,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,590,000 | 28,264,000 | 28,245,000 | 26,779,000 |
| Total capital | 24,951,000 | 29,891,000 | 29,968,000 | 28,518,000 |
| Risk-weighted assets | 229,602,000 | 268,127,000 | 266,795,000 | 271,510,000 |