Call reports 2016
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2016
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,627,827,000 | 2,701,576,000 | 2,745,734,000 | 2,810,535,000 |
| Total loans | 1,965,198,000 | 2,021,086,000 | 2,046,932,000 | 2,123,693,000 |
| Allowance for loan losses | 8,605,000 | 8,899,000 | 9,164,000 | 9,888,000 |
| Securities available for sale | 289,190,000 | 287,987,000 | 291,091,000 | 310,664,000 |
| Securities held to maturity | 159,830,000 | 157,444,000 | 145,038,000 | 142,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,144,350,000 | 2,193,974,000 | 2,215,418,000 | 2,242,285,000 |
| Interest-bearing deposits | 2,025,977,000 | 2,067,850,000 | 2,086,456,000 | 2,111,475,000 |
| Noninterest-bearing deposits | 118,373,000 | 126,124,000 | 128,962,000 | 130,810,000 |
| Equity capital | 260,994,000 | 269,184,000 | 275,834,000 | 285,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 20,840,000 | 42,659,000 | 64,839,000 | 87,308,000 |
| Interest expense | 7,536,000 | 15,418,000 | 23,499,000 | 31,627,000 |
| Net interest income | 13,304,000 | 27,241,000 | 41,340,000 | 55,681,000 |
| Noninterest income | 911,000 | 1,928,000 | 3,091,000 | 4,199,000 |
| Noninterest expense | 9,642,000 | 20,921,000 | 32,316,000 | 43,822,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,000,000 |
| Pretax income | 5,393,000 | 13,458,000 | 22,139,000 | 30,184,000 |
| Income tax | 816,000 | 2,268,000 | 3,228,000 | 3,901,000 |
| Net income | 4,577,000 | 11,190,000 | 18,911,000 | 26,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 247,950,000 | 254,647,000 | 262,451,000 | 268,128,000 |
| Total capital | 260,345,000 | 268,348,000 | 275,759,000 | 284,153,000 |
| Risk-weighted assets | 2,001,936,000 | 2,070,466,000 | 2,057,406,000 | 2,162,189,000 |