Call reports 2012
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2012
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 627,886,000 | 633,496,000 | 632,951,000 | 636,190,000 |
| Total loans | 486,500,000 | 489,053,000 | 488,940,000 | 491,141,000 |
| Allowance for loan losses | 4,951,000 | 5,040,000 | 5,052,000 | 5,236,000 |
| Securities available for sale | 112,809,000 | 110,436,000 | 109,278,000 | 108,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,909,000 | 449,302,000 | 451,298,000 | 448,070,000 |
| Interest-bearing deposits | 426,633,000 | 412,456,000 | 413,503,000 | 410,960,000 |
| Noninterest-bearing deposits | 32,276,000 | 36,846,000 | 37,795,000 | 37,110,000 |
| Equity capital | 100,734,000 | 100,967,000 | 102,626,000 | 103,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,362,000 | 14,487,000 | 21,524,000 | 28,438,000 |
| Interest expense | 1,842,000 | 3,556,000 | 5,207,000 | 6,787,000 |
| Net interest income | 5,520,000 | 10,931,000 | 16,317,000 | 21,651,000 |
| Noninterest income | 153,000 | 466,000 | 602,000 | 1,144,000 |
| Noninterest expense | 3,535,000 | 7,598,000 | 10,877,000 | 14,344,000 |
| Provision for loan losses | 1,402,000 | 1,502,000 | 1,827,000 | 1,902,000 |
| Pretax income | 1,773,000 | 4,754,000 | 6,741,000 | 9,062,000 |
| Income tax | 566,000 | 1,636,000 | 2,200,000 | 3,051,000 |
| Net income | 1,207,000 | 3,118,000 | 4,541,000 | 6,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,425,000 | 98,974,000 | 99,824,000 | 100,868,000 |
| Total capital | 102,376,000 | 104,014,000 | 104,876,000 | 106,104,000 |
| Risk-weighted assets | 450,840,000 | 457,284,000 | 454,829,000 | 461,398,000 |