Balance Sheets Statements of Income (In thousands)

[Pages:1]Member FDIC

Balance Sheets

(In thousands)

Assets Cash and due from banks Investment securities Fed. Home Loan Bank of Boston stock Loans Less allowance for loan losses Net loans Bank premises and equipment Bank owned life insurance Goodwill Other assets Total assets

Liabilities and shareholder's equity Liabilities Customer deposits Brokered deposits Customer repurchase agreements Other borrowed funds Other liabilities Total liabilities

Shareholder's equity Common stock Retained earnings Accumulated other comprehensive loss Total shareholder's equity Total liabilities and shareholder's equity

March 31, March 31,

2019

2018

$51,483 $40,798

998,997 829,590

6,695

9,749

3,039,859 2,684,860

32,293

31,139

3,007,566 2,653,721

163,887

92,625

102,311

89,379

53,335

29,633

57,176

48,939

$4,441,450 $3,794,434

$3,215,460 $2,841,150

236,357

69,561

414,276 381,564

85,269

66,885

51,943

36,613

$4,003,305 $3,395,773

1 440,040

1 409,886

(1,896) 438,145

(11,226) 398,661

$4,441,450 $3,794,434

Standby letters of credit outstanding, not included above

Regulatory capital ratios Tier 1 leverage capital (>5% equals well capitalized) Common equity tier 1 capital (>6.5% equals well capitalized) Tier 1 risk-based capital (>8% equals well capitalized) Total risk-based capital (>10% equals well capitalized) Total risk-based capital in excess of 10%

$11,513

$8,464

8.90%

10.11%

12.48%

14.27%

12.48%

14.27%

13.51%

15.42%

$109,524 $146,014

Statements of Income

(In thousands)

Twelve Months Ended

March 31,

2019

2018

Interest and dividend income Interest on loans Interest and dividends on investment securities Total interest and dividend income Interest expense Interest on deposits Interest on borrowed funds Total interest expense

Net interest income Provision for loan losses Net interest income after provision for loan losses

Non-interest income Card services Deposit and branch services Payroll services Mortgage services Wealth management services Bank owned life insurance Loan services Other fees and income Total non-interest income

Net gain on sales of investment securities

Non-interest expense Compensation and benefits Occupancy and equipment Data and card processing Community support and marketing Customer ATM rebates Regulatory assessments Other expenses Total non-interest expense Income before income tax expense Income tax expense Net income

$126,694 $102,255

22,450 17,559

149,144 119,814

18,790 8,868

27,658

9,695 7,454 17,149

121,486 102,665

1,800

600

119,686 102,065

18,210 10,507

9,954 7,706 5,995 4,083 1,215 1,223 58,893

15,669 9,994 9,165 7,530 5,812 2,515 1,095 1,302

53,082

25

(203)

86,490 16,213 11,868

71,612 13,708 10,999

5,422 3,508 1,622 13,591 138,714

4,706 3,251 1,478 11,489 117,243

39,890 6,317

$33,573

37,701 12,975 $24,726

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download