Call reports 2008
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2008
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 923,118,000 | 956,819,000 | 953,016,000 | 983,095,000 |
| Total loans | 542,751,000 | 589,194,000 | 615,174,000 | 630,740,000 |
| Allowance for loan losses | 2,812,000 | 2,898,000 | 3,170,000 | 3,296,000 |
| Securities available for sale | 268,364,000 | 264,048,000 | 224,469,000 | 269,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,972,000 | 726,538,000 | 738,461,000 | 759,119,000 |
| Interest-bearing deposits | 658,593,000 | 699,189,000 | 710,956,000 | 733,739,000 |
| Noninterest-bearing deposits | 26,379,000 | 27,349,000 | 27,505,000 | 25,380,000 |
| Equity capital | 149,108,000 | 144,661,000 | 135,209,000 | 132,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,368,000 | 23,228,000 | 35,181,000 | 47,027,000 |
| Interest expense | 6,414,000 | 12,472,000 | 18,652,000 | 24,583,000 |
| Net interest income | 4,954,000 | 10,756,000 | 16,529,000 | 22,444,000 |
| Noninterest income | 290,000 | 717,000 | 1,180,000 | 1,638,000 |
| Noninterest expense | 3,560,000 | 7,042,000 | 10,546,000 | 14,418,000 |
| Provision for loan losses | 90,000 | 180,000 | 477,000 | 627,000 |
| Pretax income | 2,144,000 | 5,307,000 | 6,920,000 | 9,453,000 |
| Income tax | 506,000 | 1,321,000 | 1,581,000 | 2,377,000 |
| Net income | 1,638,000 | 3,986,000 | 5,339,000 | 7,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 118,542,000 | 120,889,000 | 122,241,000 | 123,980,000 |
| Total capital | 141,662,000 | 140,824,000 | 137,321,000 | 133,127,000 |
| Risk-weighted assets | 483,796,000 | 523,052,000 | 521,374,000 | 517,189,000 |
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