Call reports 2015
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2015
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,103,707,000 | 2,193,614,000 | 2,367,346,000 | 2,492,076,000 |
| Total loans | 1,406,728,000 | 1,574,411,000 | 1,764,804,000 | 1,855,675,000 |
| Allowance for loan losses | 7,627,000 | 7,926,000 | 8,432,000 | 8,312,000 |
| Securities available for sale | 258,655,000 | 270,060,000 | 245,045,000 | 250,972,000 |
| Securities held to maturity | 163,103,000 | 157,185,000 | 154,277,000 | 161,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,796,304,000 | 1,886,279,000 | 1,994,672,000 | 2,066,998,000 |
| Interest-bearing deposits | 1,690,135,000 | 1,772,624,000 | 1,877,613,000 | 1,947,387,000 |
| Noninterest-bearing deposits | 106,169,000 | 113,655,000 | 117,059,000 | 119,611,000 |
| Equity capital | 241,873,000 | 243,470,000 | 240,573,000 | 252,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 16,184,000 | 33,356,000 | 51,923,000 | 71,683,000 |
| Interest expense | 5,335,000 | 11,010,000 | 17,414,000 | 24,353,000 |
| Net interest income | 10,849,000 | 22,346,000 | 34,509,000 | 47,330,000 |
| Noninterest income | 1,083,000 | 2,080,000 | 3,163,000 | 4,128,000 |
| Noninterest expense | 8,735,000 | 19,176,000 | 28,100,000 | 37,470,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,200,000 | 1,100,000 |
| Pretax income | 9,947,000 | 17,955,000 | 24,470,000 | 29,293,000 |
| Income tax | 2,455,000 | 3,846,000 | 5,067,000 | 5,819,000 |
| Net income | 7,492,000 | 14,109,000 | 19,403,000 | 23,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 226,130,000 | 234,049,000 | 230,328,000 | 242,148,000 |
| Total capital | 237,384,000 | 242,371,000 | 238,760,000 | 250,460,000 |
| Risk-weighted assets | 1,569,438,000 | 1,718,647,000 | 1,780,649,000 | 1,843,616,000 |