Call reports 2010
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2010
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,089,556,000 | 1,117,683,000 | 1,164,510,000 | 1,192,886,000 |
| Total loans | 729,814,000 | 739,950,000 | 723,511,000 | 713,368,000 |
| Allowance for loan losses | 4,536,000 | 4,743,000 | 4,981,000 | 4,682,000 |
| Securities available for sale | 229,396,000 | 220,115,000 | 244,065,000 | 243,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 45,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 857,462,000 | 882,960,000 | 925,270,000 | 937,313,000 |
| Interest-bearing deposits | 827,733,000 | 849,720,000 | 891,081,000 | 902,399,000 |
| Noninterest-bearing deposits | 29,729,000 | 33,240,000 | 34,189,000 | 34,914,000 |
| Equity capital | 147,129,000 | 146,829,000 | 152,454,000 | 157,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,751,000 | 23,505,000 | 35,093,000 | 46,308,000 |
| Interest expense | 4,067,000 | 8,105,000 | 12,237,000 | 16,382,000 |
| Net interest income | 7,684,000 | 15,400,000 | 22,856,000 | 29,926,000 |
| Noninterest income | 477,000 | 987,000 | 1,533,000 | 2,099,000 |
| Noninterest expense | 5,482,000 | 9,962,000 | 14,353,000 | 18,889,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 600,000 |
| Pretax income | 3,243,000 | 7,077,000 | 11,431,000 | 16,110,000 |
| Income tax | 810,000 | 2,063,000 | 3,439,000 | 4,909,000 |
| Net income | 2,433,000 | 5,014,000 | 7,992,000 | 11,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,569,000 | 136,150,000 | 139,128,000 | 142,337,000 |
| Total capital | 145,771,000 | 146,337,000 | 151,379,000 | 156,371,000 |
| Risk-weighted assets | 591,985,000 | 602,001,000 | 612,453,000 | 629,645,000 |
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