Call reports 2019
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2019
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 3,500,587,000 | 3,595,915,000 | 3,609,643,000 | 3,717,267,000 |
| Total loans | 2,736,865,000 | 2,795,205,000 | 2,816,034,000 | 2,847,741,000 |
| Allowance for loan losses | 12,560,000 | 12,695,000 | 12,997,000 | 12,722,000 |
| Securities available for sale | 99,188,000 | 96,393,000 | 91,235,000 | 96,355,000 |
| Securities held to maturity | 134,363,000 | 129,259,000 | 118,005,000 | 114,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,795,666,000 | 2,763,543,000 | 2,730,898,000 | 2,833,419,000 |
| Interest-bearing deposits | 2,655,796,000 | 2,620,363,000 | 2,584,684,000 | 2,689,146,000 |
| Noninterest-bearing deposits | 139,870,000 | 143,180,000 | 146,214,000 | 144,273,000 |
| Equity capital | 363,771,000 | 379,743,000 | 391,660,000 | 407,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 30,207,000 | 61,018,000 | 92,244,000 | 123,880,000 |
| Interest expense | 13,485,000 | 27,754,000 | 42,130,000 | 57,057,000 |
| Net interest income | 16,722,000 | 33,264,000 | 50,114,000 | 66,823,000 |
| Noninterest income | 950,000 | 2,115,000 | 3,432,000 | 6,728,000 |
| Noninterest expense | 11,417,000 | 24,264,000 | 37,177,000 | 51,773,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 600,000 |
| Pretax income | 33,246,000 | 48,141,000 | 60,226,000 | 81,892,000 |
| Income tax | 6,533,000 | 8,308,000 | 8,698,000 | 10,686,000 |
| Net income | 26,713,000 | 39,833,000 | 51,528,000 | 71,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 355,004,000 | 368,205,000 | 379,979,000 | 399,736,000 |
| Total capital | 367,564,000 | 380,900,000 | 392,976,000 | 412,458,000 |
| Risk-weighted assets | 2,722,950,000 | 2,789,463,000 | 2,814,167,000 | 2,898,447,000 |