Call reports 2010
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2010
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 607,058,000 | 616,856,000 | 626,138,000 | 620,425,000 |
| Total loans | 468,536,000 | 475,299,000 | 478,601,000 | 476,005,000 |
| Allowance for loan losses | 4,881,000 | 4,874,000 | 4,970,000 | 4,877,000 |
| Securities available for sale | 105,296,000 | 106,460,000 | 111,482,000 | 111,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,718,000 | 445,323,000 | 454,258,000 | 456,271,000 |
| Interest-bearing deposits | 407,453,000 | 418,528,000 | 426,100,000 | 425,737,000 |
| Noninterest-bearing deposits | 25,265,000 | 26,795,000 | 28,158,000 | 30,534,000 |
| Equity capital | 89,412,000 | 89,186,000 | 93,082,000 | 94,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,657,000 | 15,590,000 | 23,376,000 | 31,064,000 |
| Interest expense | 2,553,000 | 5,047,000 | 7,530,000 | 10,302,000 |
| Net interest income | 5,104,000 | 10,543,000 | 15,846,000 | 20,762,000 |
| Noninterest income | 161,000 | 571,000 | 752,000 | 1,180,000 |
| Noninterest expense | 3,130,000 | 6,342,000 | 9,710,000 | 12,904,000 |
| Provision for loan losses | 175,000 | 175,000 | 175,000 | 175,000 |
| Pretax income | 2,538,000 | 5,097,000 | 7,286,000 | 9,823,000 |
| Income tax | 870,000 | 1,693,000 | 2,561,000 | 3,317,000 |
| Net income | 1,668,000 | 3,404,000 | 4,725,000 | 6,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,080,000 | 86,815,000 | 88,135,000 | 90,573,000 |
| Total capital | 89,961,000 | 91,689,000 | 93,105,000 | 95,450,000 |
| Risk-weighted assets | 416,695,000 | 423,608,000 | 428,444,000 | 431,881,000 |