Call reports 2015
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2015
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 711,351,000 | 732,739,000 | 732,743,000 | 730,758,000 |
| Total loans | 559,425,000 | 567,832,000 | 568,031,000 | 568,466,000 |
| Allowance for loan losses | 5,452,000 | 5,669,000 | 5,726,000 | 5,877,000 |
| Securities available for sale | 110,775,000 | 111,066,000 | 108,879,000 | 110,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,123,000 | 478,371,000 | 497,913,000 | 505,833,000 |
| Interest-bearing deposits | 417,221,000 | 414,899,000 | 426,547,000 | 435,027,000 |
| Noninterest-bearing deposits | 56,902,000 | 63,472,000 | 71,366,000 | 70,806,000 |
| Equity capital | 112,720,000 | 113,467,000 | 113,182,000 | 113,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,071,000 | 14,085,000 | 21,082,000 | 28,072,000 |
| Interest expense | 1,130,000 | 2,280,000 | 3,458,000 | 4,606,000 |
| Net interest income | 5,941,000 | 11,805,000 | 17,624,000 | 23,466,000 |
| Noninterest income | 314,000 | 751,000 | 1,134,000 | 1,463,000 |
| Noninterest expense | 4,179,000 | 8,390,000 | 12,647,000 | 17,065,000 |
| Provision for loan losses | 192,000 | 369,000 | 450,000 | 630,000 |
| Pretax income | 1,921,000 | 4,009,000 | 6,116,000 | 7,711,000 |
| Income tax | 681,000 | 1,389,000 | 2,116,000 | 2,675,000 |
| Net income | 1,240,000 | 2,620,000 | 4,000,000 | 5,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,582,000 | 110,590,000 | 111,556,000 | 112,178,000 |
| Total capital | 115,452,000 | 116,677,000 | 117,802,000 | 118,527,000 |
| Risk-weighted assets | 583,524,000 | 591,017,000 | 599,425,000 | 593,980,000 |