Call reports 2025
NORWAY SAVINGS BANK — 2025
What NORWAY SAVINGS BANK 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 | 2,028,519,000 | 2,059,300,000 | 2,095,647,000 | 2,082,168,000 |
| Total loans | 1,450,096,000 | 1,472,870,000 | 1,510,297,000 | 1,546,271,000 |
| Allowance for loan losses | 10,065,000 | 10,083,000 | 10,281,000 | 10,835,000 |
| Securities available for sale | 398,951,000 | 401,464,000 | 391,447,000 | 355,399,000 |
| Securities held to maturity | 6,375,000 | 7,125,000 | 6,625,000 | 5,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,589,312,000 | 1,592,193,000 | 1,619,961,000 | 1,594,662,000 |
| Interest-bearing deposits | 1,147,309,000 | 1,150,906,000 | 1,166,522,000 | 1,149,451,000 |
| Noninterest-bearing deposits | 442,003,000 | 441,287,000 | 453,439,000 | 445,211,000 |
| Equity capital | 229,958,000 | 238,741,000 | 251,100,000 | 257,610,000 |
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 | 23,334,000 | 47,644,000 | 72,950,000 | 98,453,000 |
| Interest expense | 8,378,000 | 16,839,000 | 25,333,000 | 33,523,000 |
| Net interest income | 14,956,000 | 30,805,000 | 47,617,000 | 64,930,000 |
| Noninterest income | 2,634,000 | 5,371,000 | 8,228,000 | 10,950,000 |
| Noninterest expense | 13,308,000 | 26,602,000 | 40,011,000 | 55,345,000 |
| Provision for loan losses | 487,000 | 549,000 | 876,000 | 1,452,000 |
| Pretax income | 2,207,000 | 11,150,000 | 21,096,000 | 25,831,000 |
| Income tax | 515,000 | 2,447,000 | 4,597,000 | 5,370,000 |
| Net income | 1,692,000 | 8,703,000 | 16,499,000 | 20,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 272,438,000 | 279,449,000 | 287,245,000 | 291,207,000 |