Call reports 2017
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2017
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 761,316,000 | 778,150,000 | 796,052,000 | 839,348,000 |
| Total loans | 602,478,000 | 608,871,000 | 625,965,000 | 666,791,000 |
| Allowance for loan losses | 6,147,000 | 6,149,000 | 6,202,000 | 6,380,000 |
| Securities available for sale | 115,207,000 | 120,821,000 | 126,058,000 | 131,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,573,000 | 522,379,000 | 520,804,000 | 543,744,000 |
| Interest-bearing deposits | 428,111,000 | 434,265,000 | 424,685,000 | 451,689,000 |
| Noninterest-bearing deposits | 83,462,000 | 88,114,000 | 96,119,000 | 92,055,000 |
| Equity capital | 120,144,000 | 121,646,000 | 123,307,000 | 122,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,256,000 | 14,637,000 | 22,321,000 | 30,260,000 |
| Interest expense | 1,024,000 | 2,126,000 | 3,358,000 | 4,782,000 |
| Net interest income | 6,232,000 | 12,511,000 | 18,963,000 | 25,478,000 |
| Noninterest income | 369,000 | 854,000 | 1,162,000 | 1,515,000 |
| Noninterest expense | 4,240,000 | 8,911,000 | 13,588,000 | 19,643,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 225,000 |
| Pretax income | 2,788,000 | 5,114,000 | 7,666,000 | 9,349,000 |
| Income tax | 984,000 | 1,789,000 | 2,685,000 | 3,795,000 |
| Net income | 1,804,000 | 3,325,000 | 4,981,000 | 5,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,781,000 | 118,761,000 | 119,961,000 | 119,384,000 |
| Total capital | 124,321,000 | 125,309,000 | 126,568,000 | 126,175,000 |
| Risk-weighted assets | 653,370,000 | 663,448,000 | 682,720,000 | 715,485,000 |