Call reports 2008
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2008
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 572,099,000 | 587,902,000 | 589,746,000 | 587,666,000 |
| Total loans | 421,033,000 | 432,599,000 | 456,472,000 | 454,353,000 |
| Allowance for loan losses | 3,799,000 | 3,720,000 | 4,410,000 | 4,838,000 |
| Securities available for sale | 125,709,000 | 123,351,000 | 102,136,000 | 96,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,256,000 | 382,374,000 | 398,033,000 | 396,454,000 |
| Interest-bearing deposits | 351,762,000 | 360,552,000 | 373,149,000 | 374,442,000 |
| Noninterest-bearing deposits | 22,494,000 | 21,822,000 | 24,884,000 | 22,012,000 |
| Equity capital | 91,495,000 | 89,492,000 | 82,685,000 | 76,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,139,000 | 16,208,000 | 24,278,000 | 32,244,000 |
| Interest expense | 4,168,000 | 8,142,000 | 12,210,000 | 16,050,000 |
| Net interest income | 3,971,000 | 8,066,000 | 12,068,000 | 16,194,000 |
| Noninterest income | 415,000 | 661,000 | 1,090,000 | 1,492,000 |
| Noninterest expense | 2,625,000 | 5,414,000 | 8,311,000 | 11,188,000 |
| Provision for loan losses | 200,000 | 641,000 | 1,741,000 | 5,768,000 |
| Pretax income | 1,561,000 | 2,773,000 | 1,323,000 | -5,215,000 |
| Income tax | 360,000 | 746,000 | 362,000 | -1,248,000 |
| Net income | 1,201,000 | 2,027,000 | 961,000 | -3,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,252,000 | 85,078,000 | 84,011,000 | 78,291,000 |
| Total capital | 88,051,000 | 88,798,000 | 88,421,000 | 83,129,000 |
| Risk-weighted assets | 396,475,000 | 409,985,000 | 417,816,000 | 418,796,000 |
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