Call reports 2015
NORWAY SAVINGS BANK — 2015
What NORWAY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 993,512,000 | 1,025,812,000 | 1,034,698,000 | 1,025,141,000 |
| Total loans | 794,872,000 | 812,128,000 | 830,993,000 | 826,809,000 |
| Allowance for loan losses | 8,842,000 | 8,685,000 | 8,573,000 | 8,492,000 |
| Securities available for sale | 86,013,000 | 91,607,000 | 97,197,000 | 97,263,000 |
| Securities held to maturity | 2,206,000 | 2,197,000 | 2,345,000 | 2,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,614,000 | 848,824,000 | 856,077,000 | 845,958,000 |
| Interest-bearing deposits | 631,305,000 | 640,571,000 | 645,862,000 | 639,551,000 |
| Noninterest-bearing deposits | 185,309,000 | 208,253,000 | 210,215,000 | 206,407,000 |
| Equity capital | 134,418,000 | 135,266,000 | 135,515,000 | 140,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,913,000 | 19,886,000 | 30,031,000 | 40,368,000 |
| Interest expense | 725,000 | 1,410,000 | 2,069,000 | 2,703,000 |
| Net interest income | 9,188,000 | 18,476,000 | 27,962,000 | 37,665,000 |
| Noninterest income | 1,765,000 | 3,929,000 | 6,286,000 | 8,377,000 |
| Noninterest expense | 8,657,000 | 17,697,000 | 26,391,000 | 35,269,000 |
| Provision for loan losses | 188,000 | 375,000 | 375,000 | 375,000 |
| Pretax income | 3,350,000 | 5,923,000 | 9,820,000 | 12,735,000 |
| Income tax | 1,150,000 | 2,029,000 | 3,327,000 | 3,518,000 |
| Net income | 2,200,000 | 3,894,000 | 6,493,000 | 9,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,641,000 | 132,335,000 | 133,673,000 | 137,636,000 |
| Total capital | 141,052,000 | 142,245,000 | 142,506,000 | 146,388,000 |
| Risk-weighted assets | 964,702,000 | 989,538,000 | 1,019,268,000 | 1,012,445,000 |