Call reports 2017
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2017
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 2,948,859,000 | 3,085,891,000 | 3,283,316,000 | 3,301,691,000 |
| Total loans | 2,231,461,000 | 2,328,608,000 | 2,477,540,000 | 2,519,875,000 |
| Allowance for loan losses | 10,158,000 | 10,424,000 | 10,689,000 | 11,105,000 |
| Securities available for sale | 282,202,000 | 307,767,000 | 378,386,000 | 361,368,000 |
| Securities held to maturity | 140,617,000 | 138,952,000 | 135,194,000 | 146,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,367,904,000 | 2,474,019,000 | 2,659,887,000 | 2,669,701,000 |
| Interest-bearing deposits | 2,237,806,000 | 2,332,114,000 | 2,519,987,000 | 2,529,732,000 |
| Noninterest-bearing deposits | 130,098,000 | 141,905,000 | 139,900,000 | 139,969,000 |
| Equity capital | 296,466,000 | 303,978,000 | 315,129,000 | 331,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 22,706,000 | 46,824,000 | 72,449,000 | 98,440,000 |
| Interest expense | 8,488,000 | 17,595,000 | 28,043,000 | 38,526,000 |
| Net interest income | 14,218,000 | 29,229,000 | 44,406,000 | 59,914,000 |
| Noninterest income | 965,000 | 1,864,000 | 2,826,000 | 4,939,000 |
| Noninterest expense | 10,239,000 | 23,968,000 | 36,403,000 | 51,422,000 |
| Provision for loan losses | 270,000 | 570,000 | 870,000 | 1,270,000 |
| Pretax income | 14,229,000 | 20,976,000 | 29,623,000 | 37,682,000 |
| Income tax | 4,023,000 | 3,310,000 | 3,737,000 | 253,000 |
| Net income | 10,206,000 | 17,666,000 | 25,886,000 | 37,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 277,901,000 | 285,630,000 | 293,709,000 | 299,010,000 |
| Total capital | 294,771,000 | 302,767,000 | 312,979,000 | 323,749,000 |
| Risk-weighted assets | 2,144,385,000 | 2,291,481,000 | 2,483,462,000 | 2,467,040,000 |