Call reports 2018
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2018
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 3,314,064,000 | 3,396,056,000 | 3,470,682,000 | 3,470,490,000 |
| Total loans | 2,549,591,000 | 2,628,540,000 | 2,671,840,000 | 2,730,537,000 |
| Allowance for loan losses | 11,406,000 | 11,670,000 | 11,973,000 | 12,258,000 |
| Securities available for sale | 372,845,000 | 361,959,000 | 348,187,000 | 356,242,000 |
| Securities held to maturity | 147,495,000 | 145,666,000 | 141,328,000 | 138,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,685,845,000 | 2,734,442,000 | 2,807,977,000 | 2,837,022,000 |
| Interest-bearing deposits | 2,544,681,000 | 2,410,712,000 | 2,661,579,000 | 2,693,683,000 |
| Noninterest-bearing deposits | 141,164,000 | 323,730,000 | 146,398,000 | 143,339,000 |
| Equity capital | 328,231,000 | 332,444,000 | 349,643,000 | 336,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 26,873,000 | 54,797,000 | 83,635,000 | 113,705,000 |
| Interest expense | 10,572,000 | 22,104,000 | 34,900,000 | 48,302,000 |
| Net interest income | 16,301,000 | 32,693,000 | 48,735,000 | 65,403,000 |
| Noninterest income | 960,000 | 2,022,000 | 3,021,000 | 4,120,000 |
| Noninterest expense | 11,079,000 | 22,128,000 | 33,394,000 | 44,725,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 12,604,000 | 24,221,000 | 36,262,000 | 46,235,000 |
| Income tax | 2,058,000 | 3,964,000 | 5,833,000 | 7,277,000 |
| Net income | 10,546,000 | 20,257,000 | 30,429,000 | 38,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 309,128,000 | 318,938,000 | 329,208,000 | 328,217,000 |
| Total capital | 326,618,000 | 333,756,000 | 348,632,000 | 340,475,000 |
| Risk-weighted assets | 2,532,575,000 | 2,561,117,000 | 2,546,430,000 | 2,632,137,000 |