Call reports 2012
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2012
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,364,432,000 | 1,384,722,000 | 1,400,710,000 | 1,405,792,000 |
| Total loans | 794,692,000 | 854,459,000 | 889,851,000 | 891,759,000 |
| Allowance for loan losses | 5,237,000 | 5,287,000 | 5,488,000 | 5,587,000 |
| Securities available for sale | 210,817,000 | 211,907,000 | 206,961,000 | 218,366,000 |
| Securities held to maturity | 155,095,000 | 154,014,000 | 138,934,000 | 136,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,089,394,000 | 1,127,672,000 | 1,144,924,000 | 1,146,400,000 |
| Interest-bearing deposits | 1,044,994,000 | 1,081,980,000 | 1,100,417,000 | 1,101,743,000 |
| Noninterest-bearing deposits | 44,400,000 | 45,692,000 | 44,507,000 | 44,657,000 |
| Equity capital | 175,274,000 | 176,284,000 | 181,833,000 | 185,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,659,000 | 23,482,000 | 35,363,000 | 47,195,000 |
| Interest expense | 3,955,000 | 8,000,000 | 11,986,000 | 15,936,000 |
| Net interest income | 7,704,000 | 15,482,000 | 23,377,000 | 31,259,000 |
| Noninterest income | 712,000 | 1,896,000 | 2,694,000 | 3,617,000 |
| Noninterest expense | 5,024,000 | 9,929,000 | 16,288,000 | 21,296,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 6,911,000 | 12,267,000 | 18,199,000 | 23,030,000 |
| Income tax | 2,044,000 | 3,450,000 | 4,571,000 | 5,802,000 |
| Net income | 4,867,000 | 8,817,000 | 13,628,000 | 17,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,253,000 | 167,203,000 | 172,014,000 | 175,614,000 |
| Total capital | 176,384,000 | 178,421,000 | 183,943,000 | 187,460,000 |
| Risk-weighted assets | 725,824,000 | 772,793,000 | 779,562,000 | 787,692,000 |
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