Call reports 2025
INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY — 2025
What INSTITUTION FOR SAVINGS IN NEWBURYPORT AND ITS VICINITY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,325,960,000 | 5,367,683,000 | 5,350,041,000 | 5,372,290,000 |
| Total loans | 4,098,857,000 | 4,149,513,000 | 4,205,731,000 | 4,200,880,000 |
| Allowance for loan losses | 14,149,000 | 14,149,000 | 14,148,000 | 14,343,000 |
| Securities available for sale | 123,073,000 | 120,762,000 | 113,544,000 | 110,672,000 |
| Securities held to maturity | 130,481,000 | 126,561,000 | 124,590,000 | 123,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,318,864,000 | 3,260,629,000 | 3,186,965,000 | 3,179,286,000 |
| Interest-bearing deposits | 3,129,365,000 | 3,076,869,000 | 2,991,866,000 | 2,992,321,000 |
| Noninterest-bearing deposits | 189,499,000 | 183,760,000 | 195,099,000 | 186,965,000 |
| Equity capital | 609,278,000 | 635,270,000 | 660,250,000 | 668,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 50,263,000 | 101,015,000 | 153,072,000 | 205,770,000 |
| Interest expense | 36,677,000 | 73,035,000 | 110,022,000 | 147,369,000 |
| Net interest income | 13,586,000 | 27,980,000 | 43,050,000 | 58,401,000 |
| Noninterest income | 1,888,000 | 4,291,000 | 6,643,000 | 8,847,000 |
| Noninterest expense | 13,058,000 | 26,118,000 | 39,572,000 | 57,200,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | -12,375,000 | 20,480,000 | 51,165,000 | 59,800,000 |
| Income tax | -3,758,000 | 3,547,000 | 10,106,000 | 11,170,000 |
| Net income | -8,617,000 | 16,933,000 | 41,059,000 | 48,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 601,741,000 | 627,291,000 | 651,418,000 | 658,990,000 |
| Total capital | 616,159,000 | 641,709,000 | 665,835,000 | 673,652,000 |
| Risk-weighted assets | 4,002,440,000 | 4,102,574,000 | 4,156,148,000 | 4,160,935,000 |