Call reports 2003
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2003
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 410,106,000 | 424,266,000 | 434,163,000 | 447,182,000 |
| Total loans | 263,666,000 | 282,596,000 | 292,904,000 | 303,303,000 |
| Allowance for loan losses | 1,913,000 | 2,665,000 | 2,638,000 | 2,638,000 |
| Securities available for sale | 114,569,000 | 122,990,000 | 123,127,000 | 125,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,887,000 | 314,547,000 | 324,113,000 | 325,197,000 |
| Interest-bearing deposits | 288,153,000 | 298,363,000 | 307,185,000 | 307,679,000 |
| Noninterest-bearing deposits | 14,734,000 | 16,184,000 | 16,928,000 | 17,518,000 |
| Equity capital | 64,693,000 | 68,334,000 | 69,429,000 | 71,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,979,000 | 11,872,000 | 17,661,000 | 23,443,000 |
| Interest expense | 1,940,000 | 3,838,000 | 5,725,000 | 7,565,000 |
| Net interest income | 4,039,000 | 8,034,000 | 11,936,000 | 15,878,000 |
| Noninterest income | 158,000 | 380,000 | 533,000 | 853,000 |
| Noninterest expense | 2,025,000 | 4,300,000 | 6,402,000 | 9,437,000 |
| Provision for loan losses | 75,000 | 800,000 | 800,000 | 800,000 |
| Pretax income | 2,054,000 | 3,679,000 | 5,605,000 | 7,524,000 |
| Income tax | 682,000 | 1,164,000 | 1,884,000 | 2,325,000 |
| Net income | 1,372,000 | 2,515,000 | 3,721,000 | 5,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,721,000 | 59,863,000 | 61,069,000 | 62,548,000 |
| Total capital | 60,634,000 | 62,528,000 | 63,707,000 | 65,186,000 |
| Risk-weighted assets | 273,295,000 | 281,713,000 | 283,019,000 | 281,669,000 |
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