Call reports 2014
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2014
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 677,321,000 | 692,677,000 | 704,742,000 | 708,489,000 |
| Total loans | 527,519,000 | 540,168,000 | 554,654,000 | 556,886,000 |
| Allowance for loan losses | 5,491,000 | 5,257,000 | 5,420,000 | 5,476,000 |
| Securities available for sale | 108,608,000 | 110,055,000 | 110,446,000 | 110,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,562,000 | 465,943,000 | 468,122,000 | 471,717,000 |
| Interest-bearing deposits | 385,507,000 | 411,397,000 | 407,040,000 | 415,583,000 |
| Noninterest-bearing deposits | 50,055,000 | 54,546,000 | 61,082,000 | 56,134,000 |
| Equity capital | 110,975,000 | 111,651,000 | 112,412,000 | 111,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,812,000 | 13,685,000 | 20,760,000 | 27,849,000 |
| Interest expense | 1,200,000 | 2,417,000 | 3,611,000 | 4,753,000 |
| Net interest income | 5,612,000 | 11,268,000 | 17,149,000 | 23,096,000 |
| Noninterest income | 288,000 | 555,000 | 858,000 | 1,217,000 |
| Noninterest expense | 4,014,000 | 8,476,000 | 12,470,000 | 16,591,000 |
| Provision for loan losses | 96,000 | 138,000 | 381,000 | 477,000 |
| Pretax income | 1,905,000 | 3,697,000 | 5,819,000 | 8,135,000 |
| Income tax | 676,000 | 1,285,000 | 2,022,000 | 2,860,000 |
| Net income | 1,229,000 | 2,412,000 | 3,797,000 | 5,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,128,000 | 106,691,000 | 107,722,000 | 108,785,000 |
| Total capital | 112,036,000 | 112,465,000 | 113,559,000 | 114,678,000 |
| Risk-weighted assets | 510,580,000 | 524,320,000 | 534,560,000 | 528,319,000 |