Call reports 2014
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2014
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,715,258,000 | 1,794,840,000 | 1,991,924,000 | 2,034,487,000 |
| Total loans | 1,140,751,000 | 1,191,902,000 | 1,380,940,000 | 1,400,422,000 |
| Allowance for loan losses | 6,425,000 | 6,725,000 | 7,025,000 | 7,326,000 |
| Securities available for sale | 245,521,000 | 235,686,000 | 226,577,000 | 245,048,000 |
| Securities held to maturity | 175,020,000 | 171,345,000 | 168,254,000 | 165,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,422,037,000 | 1,497,563,000 | 1,666,648,000 | 1,727,518,000 |
| Interest-bearing deposits | 1,369,198,000 | 1,438,945,000 | 1,569,663,000 | 1,620,757,000 |
| Noninterest-bearing deposits | 52,839,000 | 58,618,000 | 96,985,000 | 106,761,000 |
| Equity capital | 224,102,000 | 231,052,000 | 231,258,000 | 240,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 13,308,000 | 27,158,000 | 42,154,000 | 58,594,000 |
| Interest expense | 4,581,000 | 9,332,000 | 14,298,000 | 19,411,000 |
| Net interest income | 8,727,000 | 17,826,000 | 27,856,000 | 39,183,000 |
| Noninterest income | 965,000 | 1,737,000 | 2,859,000 | 4,004,000 |
| Noninterest expense | 6,107,000 | 13,099,000 | 24,689,000 | 33,687,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 15,531,000 | 24,200,000 | 29,178,000 | 35,203,000 |
| Income tax | 4,696,000 | 6,461,000 | 6,366,000 | 7,106,000 |
| Net income | 10,835,000 | 17,739,000 | 22,812,000 | 28,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 212,044,000 | 218,946,000 | 208,619,000 | 214,749,000 |
| Total capital | 226,847,000 | 233,834,000 | 220,530,000 | 229,544,000 |
| Risk-weighted assets | 1,009,200,000 | 1,025,472,000 | 1,185,007,000 | 1,206,888,000 |