Call reports 2016
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2016
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 735,685,000 | 761,087,000 | 768,433,000 | 762,398,000 |
| Total loans | 582,078,000 | 588,795,000 | 609,730,000 | 605,578,000 |
| Allowance for loan losses | 6,079,000 | 6,237,000 | 6,316,000 | 6,147,000 |
| Securities available for sale | 110,758,000 | 111,900,000 | 113,148,000 | 113,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,207,000 | 497,190,000 | 516,556,000 | 512,328,000 |
| Interest-bearing deposits | 425,419,000 | 420,857,000 | 429,866,000 | 429,920,000 |
| Noninterest-bearing deposits | 70,788,000 | 76,333,000 | 86,690,000 | 82,408,000 |
| Equity capital | 114,946,000 | 116,303,000 | 117,365,000 | 118,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,104,000 | 14,284,000 | 21,461,000 | 28,823,000 |
| Interest expense | 1,166,000 | 2,297,000 | 3,379,000 | 4,444,000 |
| Net interest income | 5,938,000 | 11,987,000 | 18,082,000 | 24,379,000 |
| Noninterest income | 303,000 | 716,000 | 1,184,000 | 1,635,000 |
| Noninterest expense | 4,216,000 | 8,558,000 | 12,839,000 | 17,620,000 |
| Provision for loan losses | 163,000 | 318,000 | 375,000 | 200,000 |
| Pretax income | 1,864,000 | 4,114,000 | 6,790,000 | 9,022,000 |
| Income tax | 658,000 | 1,424,000 | 2,389,000 | 3,154,000 |
| Net income | 1,206,000 | 2,690,000 | 4,401,000 | 5,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,074,000 | 114,197,000 | 115,463,000 | 116,417,000 |
| Total capital | 119,628,000 | 120,912,000 | 122,261,000 | 123,051,000 |
| Risk-weighted assets | 607,926,000 | 631,960,000 | 649,545,000 | 656,182,000 |