Call reports 2005
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2005
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 475,919,000 | 496,820,000 | 501,292,000 | 503,491,000 |
| Total loans | 338,851,000 | 347,752,000 | 354,942,000 | 362,802,000 |
| Allowance for loan losses | 2,917,000 | 2,748,000 | 2,942,000 | 3,424,000 |
| Securities available for sale | 117,973,000 | 119,504,000 | 119,517,000 | 119,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,761,000 | 344,228,000 | 338,222,000 | 341,291,000 |
| Interest-bearing deposits | 317,460,000 | 322,942,000 | 319,782,000 | 322,604,000 |
| Noninterest-bearing deposits | 17,301,000 | 21,286,000 | 18,440,000 | 18,687,000 |
| Equity capital | 77,251,000 | 78,520,000 | 78,978,000 | 80,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,338,000 | 12,637,000 | 19,110,000 | 26,059,000 |
| Interest expense | 1,952,000 | 4,047,000 | 6,394,000 | 9,016,000 |
| Net interest income | 4,386,000 | 8,590,000 | 12,716,000 | 17,043,000 |
| Noninterest income | 196,000 | 608,000 | 882,000 | 1,518,000 |
| Noninterest expense | 2,288,000 | 4,765,000 | 8,271,000 | 10,660,000 |
| Provision for loan losses | 0 | 961,000 | 1,161,000 | 366,000 |
| Pretax income | 2,391,000 | 3,547,000 | 4,844,000 | 7,889,000 |
| Income tax | 818,000 | 1,519,000 | 1,602,000 | 2,468,000 |
| Net income | 1,573,000 | 2,028,000 | 3,242,000 | 5,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,482,000 | 69,938,000 | 71,152,000 | 73,331,000 |
| Total capital | 72,399,000 | 72,686,000 | 74,094,000 | 76,755,000 |
| Risk-weighted assets | 303,863,000 | 311,958,000 | 319,730,000 | 328,940,000 |
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