Call reports 2019
NORWAY SAVINGS BANK — 2019
What NORWAY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,207,870,000 | 1,216,129,000 | 1,240,612,000 | 1,237,204,000 |
| Total loans | 996,542,000 | 998,742,000 | 1,015,773,000 | 1,027,011,000 |
| Allowance for loan losses | 8,443,000 | 8,380,000 | 8,187,000 | 8,022,000 |
| Securities available for sale | 62,436,000 | 62,271,000 | 57,845,000 | 59,513,000 |
| Securities held to maturity | 2,513,000 | 3,463,000 | 3,416,000 | 5,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 966,715,000 | 979,315,000 | 1,016,669,000 | 1,010,787,000 |
| Interest-bearing deposits | 705,827,000 | 702,303,000 | 717,564,000 | 731,780,000 |
| Noninterest-bearing deposits | 260,888,000 | 277,012,000 | 299,105,000 | 279,007,000 |
| Equity capital | 180,649,000 | 185,537,000 | 190,058,000 | 195,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 13,197,000 | 26,642,000 | 40,260,000 | 53,847,000 |
| Interest expense | 1,454,000 | 2,883,000 | 4,225,000 | 5,569,000 |
| Net interest income | 11,743,000 | 23,759,000 | 36,035,000 | 48,278,000 |
| Noninterest income | 1,903,000 | 3,952,000 | 6,118,000 | 8,017,000 |
| Noninterest expense | 9,897,000 | 20,071,000 | 30,170,000 | 41,286,000 |
| Provision for loan losses | 150,000 | 150,000 | 0 | 0 |
| Pretax income | 8,206,000 | 13,596,000 | 19,217,000 | 25,736,000 |
| Income tax | 1,777,000 | 2,959,000 | 4,219,000 | 5,177,000 |
| Net income | 6,429,000 | 10,637,000 | 14,998,000 | 20,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,854,000 | 178,062,000 | 182,423,000 | 187,984,000 |
| Total capital | 182,567,000 | 186,712,000 | 190,880,000 | 196,276,000 |
| Risk-weighted assets | 1,086,517,000 | 1,082,914,000 | 1,105,771,000 | 1,114,080,000 |