Call reports 2021
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2021
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 4,044,476,000 | 4,230,183,000 | 4,347,726,000 | 4,534,739,000 |
| Total loans | 2,744,515,000 | 2,969,625,000 | 3,173,958,000 | 3,235,338,000 |
| Allowance for loan losses | 14,326,000 | 14,292,000 | 14,295,000 | 14,297,000 |
| Securities available for sale | 73,707,000 | 69,299,000 | 62,842,000 | 59,026,000 |
| Securities held to maturity | 135,206,000 | 138,881,000 | 132,892,000 | 118,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,157,711,000 | 3,305,045,000 | 3,352,364,000 | 3,491,524,000 |
| Interest-bearing deposits | 2,940,639,000 | 3,085,490,000 | 3,116,686,000 | 3,260,376,000 |
| Noninterest-bearing deposits | 217,072,000 | 219,555,000 | 235,678,000 | 231,148,000 |
| Equity capital | 478,943,000 | 505,133,000 | 510,443,000 | 555,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 28,540,000 | 56,374,000 | 85,925,000 | 116,439,000 |
| Interest expense | 8,500,000 | 16,293,000 | 23,756,000 | 30,825,000 |
| Net interest income | 20,040,000 | 40,081,000 | 62,169,000 | 85,614,000 |
| Noninterest income | 1,117,000 | 2,368,000 | 3,865,000 | 5,324,000 |
| Noninterest expense | 11,923,000 | 23,905,000 | 39,119,000 | 56,126,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,602,000 | 62,463,000 | 66,295,000 | 121,367,000 |
| Income tax | 6,087,000 | 12,400,000 | 10,357,000 | 19,496,000 |
| Net income | 24,515,000 | 50,063,000 | 55,938,000 | 101,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 471,027,000 | 496,653,000 | 502,606,000 | 548,618,000 |
| Total capital | 485,353,000 | 510,945,000 | 516,901,000 | 562,915,000 |
| Risk-weighted assets | 3,036,647,000 | 3,259,956,000 | 3,376,276,000 | 3,616,790,000 |