Call reports 2007
FIRST IPSWICH BANK — 2007
What FIRST IPSWICH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 301,633,000 | 297,742,000 | 290,959,000 | 282,597,000 |
| Total loans | 199,624,000 | 198,069,000 | 199,771,000 | 200,953,000 |
| Allowance for loan losses | 1,464,000 | 1,370,000 | 1,373,000 | 1,434,000 |
| Securities available for sale | 48,349,000 | 43,554,000 | 39,783,000 | 44,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,142,000 | 235,047,000 | 225,336,000 | 211,742,000 |
| Interest-bearing deposits | 201,919,000 | 193,377,000 | 186,063,000 | 168,885,000 |
| Noninterest-bearing deposits | 40,223,000 | 41,670,000 | 39,273,000 | 42,857,000 |
| Equity capital | 31,097,000 | 31,112,000 | 31,183,000 | 31,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,914,000 | 9,322,000 | 13,714,000 | 18,075,000 |
| Interest expense | 2,095,000 | 3,957,000 | 5,814,000 | 7,516,000 |
| Net interest income | 2,819,000 | 5,365,000 | 7,900,000 | 10,559,000 |
| Noninterest income | 1,300,000 | 2,575,000 | 3,595,000 | 4,433,000 |
| Noninterest expense | 3,277,000 | 6,846,000 | 10,349,000 | 13,526,000 |
| Provision for loan losses | -175,000 | -260,000 | 14,000 | 76,000 |
| Pretax income | 1,017,000 | 1,354,000 | 1,132,000 | 1,390,000 |
| Income tax | 399,000 | 522,000 | 528,000 | 626,000 |
| Net income | 618,000 | 832,000 | 604,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,949,000 | 27,239,000 | 27,066,000 | 27,283,000 |
| Total capital | 28,596,000 | 28,780,000 | 28,603,000 | 28,880,000 |
| Risk-weighted assets | 215,109,000 | 217,063,000 | 213,160,000 | 212,563,000 |