Call reports 2009
FIRST IPSWICH BANK — 2009
What FIRST IPSWICH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 274,635,000 | 282,166,000 | 271,697,000 | 256,740,000 |
| Total loans | 208,163,000 | 213,820,000 | 204,666,000 | 202,683,000 |
| Allowance for loan losses | 2,205,000 | 2,367,000 | 2,386,000 | 4,420,000 |
| Securities available for sale | 31,012,000 | 28,423,000 | 25,909,000 | 24,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,599,000 | 222,160,000 | 221,343,000 | 209,574,000 |
| Interest-bearing deposits | 164,171,000 | 167,665,000 | 166,266,000 | 157,356,000 |
| Noninterest-bearing deposits | 49,428,000 | 54,495,000 | 55,077,000 | 52,218,000 |
| Equity capital | 27,404,000 | 27,655,000 | 28,112,000 | 26,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,642,000 | 7,167,000 | 10,563,000 | 13,837,000 |
| Interest expense | 1,123,000 | 2,141,000 | 3,046,000 | 3,818,000 |
| Net interest income | 2,519,000 | 5,026,000 | 7,517,000 | 10,019,000 |
| Noninterest income | 867,000 | 1,799,000 | 2,748,000 | 3,665,000 |
| Noninterest expense | 3,119,000 | 6,215,000 | 8,880,000 | 11,963,000 |
| Provision for loan losses | 32,000 | 290,000 | 760,000 | 2,975,000 |
| Pretax income | 235,000 | 523,000 | 850,000 | -1,029,000 |
| Income tax | 79,000 | 197,000 | 297,000 | -419,000 |
| Net income | 156,000 | 326,000 | 553,000 | -610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,927,000 | 22,171,000 | 22,472,000 | 22,132,000 |
| Total capital | 24,220,000 | 24,620,000 | 24,920,000 | 24,653,000 |
| Risk-weighted assets | 213,260,000 | 211,440,000 | 203,119,000 | 199,769,000 |