Call reports 2007
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2007
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY 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 | 549,526,000 | 555,382,000 | 826,036,000 | 870,402,000 |
| Total loans | 253,994,000 | 266,482,000 | 492,917,000 | 513,853,000 |
| Allowance for loan losses | 1,594,000 | 1,629,000 | 2,630,000 | 2,711,000 |
| Securities available for sale | 244,453,000 | 239,024,000 | 268,251,000 | 274,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,963,000 | 398,035,000 | 597,764,000 | 643,721,000 |
| Interest-bearing deposits | 374,757,000 | 376,636,000 | 569,108,000 | 617,125,000 |
| Noninterest-bearing deposits | 18,206,000 | 21,399,000 | 28,656,000 | 26,596,000 |
| Equity capital | 130,569,000 | 131,436,000 | 150,647,000 | 151,848,000 |
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 | 6,503,000 | 13,133,000 | 30,398,000 | 41,506,000 |
| Interest expense | 3,465,000 | 6,887,000 | 17,212,000 | 23,847,000 |
| Net interest income | 3,038,000 | 6,246,000 | 13,186,000 | 17,659,000 |
| Noninterest income | 186,000 | 426,000 | 894,000 | 1,205,000 |
| Noninterest expense | 2,182,000 | 4,486,000 | 12,822,000 | 16,218,000 |
| Provision for loan losses | 30,000 | 64,000 | 184,000 | 274,000 |
| Pretax income | 1,067,000 | 5,200,000 | 6,614,000 | 7,912,000 |
| Income tax | 212,000 | 1,479,000 | 1,094,000 | 1,360,000 |
| Net income | 855,000 | 3,721,000 | 5,520,000 | 6,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,484,000 | 97,350,000 | 115,870,000 | 116,903,000 |
| Total capital | 121,344,000 | 123,532,000 | 142,838,000 | 143,129,000 |
| Risk-weighted assets | 261,964,000 | 268,402,000 | 425,881,000 | 453,973,000 |
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