Call reports 2013
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2013
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,432,803,000 | 1,474,547,000 | 1,592,078,000 | 1,691,136,000 |
| Total loans | 894,762,000 | 918,827,000 | 1,042,716,000 | 1,104,781,000 |
| Allowance for loan losses | 5,735,000 | 5,883,000 | 5,995,000 | 6,233,000 |
| Securities available for sale | 218,482,000 | 229,430,000 | 243,740,000 | 246,164,000 |
| Securities held to maturity | 149,440,000 | 153,361,000 | 168,202,000 | 177,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,163,632,000 | 1,206,641,000 | 1,317,669,000 | 1,401,942,000 |
| Interest-bearing deposits | 1,115,439,000 | 1,157,770,000 | 1,268,547,000 | 1,352,011,000 |
| Noninterest-bearing deposits | 48,193,000 | 48,871,000 | 49,122,000 | 49,931,000 |
| Equity capital | 197,444,000 | 200,247,000 | 208,081,000 | 219,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 11,435,000 | 22,893,000 | 35,071,000 | 48,162,000 |
| Interest expense | 3,814,000 | 7,783,000 | 11,961,000 | 16,554,000 |
| Net interest income | 7,621,000 | 15,110,000 | 23,110,000 | 31,608,000 |
| Noninterest income | 757,000 | 1,678,000 | 2,723,000 | 4,016,000 |
| Noninterest expense | 6,528,000 | 12,019,000 | 17,328,000 | 23,144,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 11,310,000 | 19,536,000 | 26,215,000 | 34,613,000 |
| Income tax | 2,919,000 | 5,116,000 | 6,752,000 | 9,020,000 |
| Net income | 8,391,000 | 14,420,000 | 19,463,000 | 25,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,005,000 | 190,034,000 | 195,077,000 | 201,207,000 |
| Total capital | 198,732,000 | 203,287,000 | 210,526,000 | 220,702,000 |
| Risk-weighted assets | 802,246,000 | 833,019,000 | 913,302,000 | 973,730,000 |
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