Call reports 2011
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2011
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 623,274,000 | 629,139,000 | 632,152,000 | 634,577,000 |
| Total loans | 480,035,000 | 486,543,000 | 488,518,000 | 494,445,000 |
| Allowance for loan losses | 4,790,000 | 4,766,000 | 4,771,000 | 5,065,000 |
| Securities available for sale | 112,280,000 | 113,715,000 | 108,475,000 | 109,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,627,000 | 455,862,000 | 461,948,000 | 460,431,000 |
| Interest-bearing deposits | 418,311,000 | 421,858,000 | 427,687,000 | 427,311,000 |
| Noninterest-bearing deposits | 30,316,000 | 34,004,000 | 34,261,000 | 33,120,000 |
| Equity capital | 96,250,000 | 98,071,000 | 97,172,000 | 98,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,647,000 | 15,206,000 | 22,792,000 | 30,382,000 |
| Interest expense | 2,176,000 | 4,332,000 | 6,401,000 | 8,333,000 |
| Net interest income | 5,471,000 | 10,874,000 | 16,391,000 | 22,049,000 |
| Noninterest income | 199,000 | 411,000 | 645,000 | 1,054,000 |
| Noninterest expense | 3,035,000 | 6,445,000 | 9,998,000 | 14,497,000 |
| Provision for loan losses | 351,000 | 351,000 | 551,000 | 903,000 |
| Pretax income | 2,343,000 | 4,634,000 | 6,738,000 | 9,050,000 |
| Income tax | 807,000 | 1,593,000 | 2,313,000 | 3,099,000 |
| Net income | 1,536,000 | 3,041,000 | 4,425,000 | 5,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,108,000 | 93,614,000 | 94,998,000 | 96,334,000 |
| Total capital | 96,898,000 | 98,380,000 | 99,769,000 | 101,399,000 |
| Risk-weighted assets | 433,185,000 | 440,410,000 | 442,082,000 | 449,522,000 |