Call reports 2020
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2020
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 3,717,757,000 | 3,887,577,000 | 3,869,689,000 | 3,964,932,000 |
| Total loans | 2,890,497,000 | 2,887,853,000 | 2,823,451,000 | 2,795,955,000 |
| Allowance for loan losses | 12,872,000 | 13,718,000 | 14,321,000 | 14,323,000 |
| Securities available for sale | 101,068,000 | 96,117,000 | 88,191,000 | 82,203,000 |
| Securities held to maturity | 109,551,000 | 91,734,000 | 85,769,000 | 96,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,889,800,000 | 2,957,585,000 | 2,937,219,000 | 3,075,264,000 |
| Interest-bearing deposits | 2,742,289,000 | 2,771,546,000 | 2,742,942,000 | 2,866,837,000 |
| Noninterest-bearing deposits | 147,511,000 | 186,039,000 | 194,277,000 | 208,427,000 |
| Equity capital | 351,153,000 | 390,219,000 | 412,769,000 | 455,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 31,794,000 | 63,439,000 | 91,859,000 | 120,534,000 |
| Interest expense | 14,711,000 | 27,612,000 | 39,109,000 | 49,233,000 |
| Net interest income | 17,083,000 | 35,827,000 | 52,750,000 | 71,301,000 |
| Noninterest income | 1,057,000 | 2,315,000 | 4,917,000 | 6,153,000 |
| Noninterest expense | 11,777,000 | 24,499,000 | 36,012,000 | 48,009,000 |
| Provision for loan losses | 150,000 | 1,000,000 | 1,600,000 | 1,600,000 |
| Pretax income | -74,908,000 | -26,844,000 | 863,000 | 55,385,000 |
| Income tax | -17,287,000 | -7,529,000 | -2,161,000 | 9,015,000 |
| Net income | -57,621,000 | -19,315,000 | 3,024,000 | 46,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 342,194,000 | 380,580,000 | 402,690,000 | 446,064,000 |
| Total capital | 355,066,000 | 394,298,000 | 417,011,000 | 460,387,000 |
| Risk-weighted assets | 2,783,933,000 | 2,851,499,000 | 2,897,090,000 | 2,952,639,000 |