Call reports 2018
NORWAY SAVINGS BANK — 2018
What NORWAY SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,179,541,000 | 1,175,003,000 | 1,192,046,000 | 1,207,277,000 |
| Total loans | 942,504,000 | 964,849,000 | 988,376,000 | 997,302,000 |
| Allowance for loan losses | 8,015,000 | 8,213,000 | 8,215,000 | 8,316,000 |
| Securities available for sale | 97,584,000 | 105,014,000 | 98,188,000 | 103,402,000 |
| Securities held to maturity | 2,252,000 | 2,721,000 | 2,599,000 | 2,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 971,542,000 | 969,036,000 | 979,480,000 | 965,956,000 |
| Interest-bearing deposits | 708,310,000 | 694,862,000 | 699,541,000 | 704,814,000 |
| Noninterest-bearing deposits | 263,232,000 | 274,174,000 | 279,939,000 | 261,142,000 |
| Equity capital | 166,158,000 | 169,592,000 | 174,271,000 | 173,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 11,711,000 | 23,920,000 | 36,698,000 | 49,747,000 |
| Interest expense | 709,000 | 1,505,000 | 2,375,000 | 3,461,000 |
| Net interest income | 11,002,000 | 22,415,000 | 34,323,000 | 46,286,000 |
| Noninterest income | 1,939,000 | 4,151,000 | 6,285,000 | 8,350,000 |
| Noninterest expense | 9,504,000 | 19,164,000 | 29,511,000 | 40,477,000 |
| Provision for loan losses | 75,000 | 150,000 | 375,000 | 550,000 |
| Pretax income | 3,853,000 | 9,089,000 | 14,321,000 | 17,200,000 |
| Income tax | 834,000 | 1,944,000 | 3,103,000 | 3,266,000 |
| Net income | 3,019,000 | 7,145,000 | 11,218,000 | 13,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,658,000 | 162,784,000 | 166,857,000 | 167,425,000 |
| Total capital | 167,777,000 | 171,822,000 | 176,520,000 | 176,011,000 |
| Risk-weighted assets | 1,038,608,000 | 1,072,389,000 | 1,065,789,000 | 1,071,687,000 |