Call reports 2006
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2006
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 514,097,000 | 524,664,000 | 536,081,000 | 541,154,000 |
| Total loans | 372,003,000 | 379,199,000 | 386,474,000 | 390,812,000 |
| Allowance for loan losses | 3,423,000 | 3,423,000 | 3,751,000 | 3,741,000 |
| Securities available for sale | 123,288,000 | 120,545,000 | 124,570,000 | 128,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,465,000 | 364,243,000 | 369,091,000 | 373,519,000 |
| Interest-bearing deposits | 336,337,000 | 344,744,000 | 348,965,000 | 354,232,000 |
| Noninterest-bearing deposits | 17,128,000 | 19,499,000 | 20,126,000 | 19,287,000 |
| Equity capital | 82,481,000 | 82,472,000 | 85,184,000 | 87,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,058,000 | 14,299,000 | 22,069,000 | 29,915,000 |
| Interest expense | 2,836,000 | 5,988,000 | 9,548,000 | 13,347,000 |
| Net interest income | 4,222,000 | 8,311,000 | 12,521,000 | 16,568,000 |
| Noninterest income | 189,000 | 770,000 | 966,000 | 1,381,000 |
| Noninterest expense | 2,493,000 | 4,949,000 | 8,516,000 | 10,717,000 |
| Provision for loan losses | 0 | 0 | 325,000 | 325,000 |
| Pretax income | 1,845,000 | 3,901,000 | 4,804,000 | 7,053,000 |
| Income tax | 589,000 | 1,239,000 | 1,347,000 | 2,050,000 |
| Net income | 1,256,000 | 2,662,000 | 3,457,000 | 5,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,587,000 | 75,993,000 | 76,787,000 | 78,334,000 |
| Total capital | 78,010,000 | 79,416,000 | 80,538,000 | 82,075,000 |
| Risk-weighted assets | 337,250,000 | 347,707,000 | 353,267,000 | 355,297,000 |
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