Call reports 2007
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2007
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 546,407,000 | 562,202,000 | 569,420,000 | 567,057,000 |
| Total loans | 393,003,000 | 406,327,000 | 409,650,000 | 408,500,000 |
| Allowance for loan losses | 3,637,000 | 3,765,000 | 3,618,000 | 3,597,000 |
| Securities available for sale | 130,464,000 | 130,617,000 | 134,228,000 | 131,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,301,000 | 379,372,000 | 391,830,000 | 377,468,000 |
| Interest-bearing deposits | 357,056,000 | 359,055,000 | 371,908,000 | 355,297,000 |
| Noninterest-bearing deposits | 19,245,000 | 20,317,000 | 19,922,000 | 22,171,000 |
| Equity capital | 89,364,000 | 89,928,000 | 91,139,000 | 92,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,894,000 | 16,052,000 | 24,391,000 | 32,859,000 |
| Interest expense | 3,935,000 | 8,101,000 | 12,517,000 | 16,962,000 |
| Net interest income | 3,959,000 | 7,951,000 | 11,874,000 | 15,897,000 |
| Noninterest income | 207,000 | 513,000 | 791,000 | 1,525,000 |
| Noninterest expense | 2,399,000 | 4,923,000 | 7,767,000 | 10,160,000 |
| Provision for loan losses | 75,000 | 225,000 | 575,000 | 575,000 |
| Pretax income | 1,585,000 | 3,448,000 | 4,600,000 | 6,788,000 |
| Income tax | 482,000 | 1,057,000 | 1,434,000 | 2,072,000 |
| Net income | 1,103,000 | 2,391,000 | 3,166,000 | 4,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,437,000 | 80,725,000 | 81,500,000 | 83,050,000 |
| Total capital | 83,074,000 | 84,490,000 | 85,118,000 | 86,647,000 |
| Risk-weighted assets | 360,370,000 | 375,864,000 | 379,534,000 | 383,845,000 |
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