Call reports 2013
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2013
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 633,307,000 | 640,471,000 | 659,437,000 | 671,430,000 |
| Total loans | 487,477,000 | 490,458,000 | 510,201,000 | 523,275,000 |
| Allowance for loan losses | 5,421,000 | 5,522,000 | 5,461,000 | 5,365,000 |
| Securities available for sale | 111,280,000 | 110,446,000 | 111,590,000 | 107,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 427,545,000 | 426,078,000 | 432,052,000 | 439,896,000 |
| Interest-bearing deposits | 388,018,000 | 383,274,000 | 385,715,000 | 391,588,000 |
| Noninterest-bearing deposits | 39,527,000 | 42,804,000 | 46,337,000 | 48,308,000 |
| Equity capital | 105,576,000 | 105,283,000 | 106,157,000 | 109,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,740,000 | 13,388,000 | 20,156,000 | 26,874,000 |
| Interest expense | 1,416,000 | 2,763,000 | 4,075,000 | 5,350,000 |
| Net interest income | 5,324,000 | 10,625,000 | 16,081,000 | 21,524,000 |
| Noninterest income | 346,000 | 702,000 | 921,000 | 1,295,000 |
| Noninterest expense | 3,638,000 | 7,521,000 | 11,441,000 | 14,395,000 |
| Provision for loan losses | 285,000 | 392,000 | 492,000 | 596,000 |
| Pretax income | 2,204,000 | 3,987,000 | 5,764,000 | 9,248,000 |
| Income tax | 729,000 | 1,341,000 | 1,975,000 | 3,216,000 |
| Net income | 1,475,000 | 2,646,000 | 3,789,000 | 6,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,902,000 | 102,631,000 | 103,423,000 | 105,324,000 |
| Total capital | 107,323,000 | 108,353,000 | 109,084,000 | 111,106,000 |
| Risk-weighted assets | 463,890,000 | 470,567,000 | 488,654,000 | 506,276,000 |