Call reports 2009
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2009
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 597,065,000 | 606,024,000 | 607,518,000 | 609,450,000 |
| Total loans | 457,530,000 | 466,682,000 | 470,783,000 | 468,068,000 |
| Allowance for loan losses | 4,762,000 | 4,989,000 | 5,348,000 | 4,978,000 |
| Securities available for sale | 92,181,000 | 102,111,000 | 107,458,000 | 102,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,163,000 | 406,225,000 | 411,723,000 | 425,242,000 |
| Interest-bearing deposits | 390,503,000 | 383,117,000 | 386,934,000 | 398,862,000 |
| Noninterest-bearing deposits | 24,660,000 | 23,108,000 | 24,789,000 | 26,380,000 |
| Equity capital | 73,997,000 | 82,037,000 | 84,414,000 | 87,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,795,000 | 15,564,000 | 23,401,000 | 31,246,000 |
| Interest expense | 3,508,000 | 6,751,000 | 9,652,000 | 12,429,000 |
| Net interest income | 4,287,000 | 8,813,000 | 13,749,000 | 18,817,000 |
| Noninterest income | 107,000 | 867,000 | 1,252,000 | 1,791,000 |
| Noninterest expense | 3,124,000 | 6,491,000 | 9,761,000 | 12,519,000 |
| Provision for loan losses | 0 | 301,000 | 653,000 | 728,000 |
| Pretax income | 1,338,000 | 3,138,000 | 4,983,000 | 6,583,000 |
| Income tax | 402,000 | 997,000 | 1,585,000 | 1,599,000 |
| Net income | 936,000 | 2,141,000 | 3,398,000 | 4,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,519,000 | 80,432,000 | 81,689,000 | 83,411,000 |
| Total capital | 83,281,000 | 85,421,000 | 86,979,000 | 88,389,000 |
| Risk-weighted assets | 423,783,000 | 424,987,000 | 423,136,000 | 423,144,000 |
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