Call reports 2022
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2022
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,545,878,000 | 4,663,280,000 | 4,763,197,000 | 4,869,275,000 |
| Total loans | 3,303,082,000 | 3,579,792,000 | 3,620,607,000 | 3,726,755,000 |
| Allowance for loan losses | 14,337,000 | 14,340,000 | 14,342,000 | 14,343,000 |
| Securities available for sale | 95,515,000 | 95,197,000 | 85,309,000 | 94,233,000 |
| Securities held to maturity | 156,857,000 | 154,540,000 | 152,631,000 | 151,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,561,941,000 | 3,769,498,000 | 3,711,849,000 | 3,617,652,000 |
| Interest-bearing deposits | 3,325,745,000 | 3,517,560,000 | 3,449,584,000 | 3,374,456,000 |
| Noninterest-bearing deposits | 236,196,000 | 251,938,000 | 262,265,000 | 243,196,000 |
| Equity capital | 543,685,000 | 505,535,000 | 489,573,000 | 528,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 30,582,000 | 62,952,000 | 98,816,000 | 137,394,000 |
| Interest expense | 6,691,000 | 13,892,000 | 23,726,000 | 39,070,000 |
| Net interest income | 23,891,000 | 49,060,000 | 75,090,000 | 98,324,000 |
| Noninterest income | 1,197,000 | 2,569,000 | 4,659,000 | 6,533,000 |
| Noninterest expense | 13,813,000 | 28,122,000 | 42,859,000 | 57,615,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -12,358,000 | -58,730,000 | -75,516,000 | -27,909,000 |
| Income tax | -3,629,000 | -14,834,000 | -19,399,000 | -9,727,000 |
| Net income | -8,729,000 | -43,896,000 | -56,117,000 | -18,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 539,968,000 | 504,713,000 | 492,589,000 | 530,621,000 |
| Total capital | 554,305,000 | 519,053,000 | 506,931,000 | 544,964,000 |
| Risk-weighted assets | 3,548,081,000 | 3,526,494,000 | 3,526,865,000 | 3,732,000,000 |