Call reports 2016
NORWAY SAVINGS BANK — 2016
What NORWAY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,047,367,000 | 1,060,735,000 | 1,095,908,000 | 1,092,604,000 |
| Total loans | 832,267,000 | 852,892,000 | 874,171,000 | 882,184,000 |
| Allowance for loan losses | 8,437,000 | 8,265,000 | 8,294,000 | 8,309,000 |
| Securities available for sale | 97,604,000 | 96,547,000 | 88,993,000 | 93,707,000 |
| Securities held to maturity | 2,261,000 | 2,251,000 | 2,553,000 | 2,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 865,412,000 | 875,501,000 | 906,420,000 | 900,144,000 |
| Interest-bearing deposits | 644,914,000 | 649,278,000 | 663,088,000 | 665,361,000 |
| Noninterest-bearing deposits | 220,498,000 | 226,223,000 | 243,332,000 | 234,783,000 |
| Equity capital | 143,473,000 | 146,253,000 | 148,839,000 | 153,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,171,000 | 20,507,000 | 31,121,000 | 41,929,000 |
| Interest expense | 639,000 | 1,284,000 | 1,914,000 | 2,538,000 |
| Net interest income | 9,532,000 | 19,223,000 | 29,207,000 | 39,391,000 |
| Noninterest income | 1,869,000 | 3,942,000 | 6,079,000 | 8,087,000 |
| Noninterest expense | 8,746,000 | 18,007,000 | 26,914,000 | 36,219,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 2,765,000 | 5,691,000 | 10,454,000 | 14,193,000 |
| Income tax | 907,000 | 1,860,000 | 3,430,000 | 3,917,000 |
| Net income | 1,858,000 | 3,831,000 | 7,024,000 | 10,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,516,000 | 141,489,000 | 144,682,000 | 147,934,000 |
| Total capital | 148,642,000 | 150,879,000 | 153,774,000 | 157,131,000 |
| Risk-weighted assets | 1,027,419,000 | 1,062,973,000 | 1,076,031,000 | 1,073,843,000 |