Call reports 2018
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2018
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 850,938,000 | 866,695,000 | 878,800,000 | 874,944,000 |
| Total loans | 678,822,000 | 681,938,000 | 680,989,000 | 684,101,000 |
| Allowance for loan losses | 6,583,000 | 6,773,000 | 6,732,000 | 6,788,000 |
| Securities available for sale | 129,273,000 | 129,267,000 | 131,976,000 | 141,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,945,000 | 587,136,000 | 635,587,000 | 668,675,000 |
| Interest-bearing deposits | 450,310,000 | 482,496,000 | 538,745,000 | 571,750,000 |
| Noninterest-bearing deposits | 95,635,000 | 104,640,000 | 96,842,000 | 96,925,000 |
| Equity capital | 122,589,000 | 122,464,000 | 123,203,000 | 123,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,445,000 | 17,157,000 | 25,889,000 | 34,652,000 |
| Interest expense | 1,606,000 | 3,540,000 | 5,633,000 | 7,884,000 |
| Net interest income | 6,839,000 | 13,617,000 | 20,256,000 | 26,768,000 |
| Noninterest income | 364,000 | 742,000 | 1,315,000 | 1,822,000 |
| Noninterest expense | 4,754,000 | 10,040,000 | 19,172,000 | 25,678,000 |
| Provision for loan losses | 200,000 | 502,000 | 772,000 | 825,000 |
| Pretax income | 3,047,000 | 4,615,000 | 6,294,000 | 6,799,000 |
| Income tax | 742,000 | 1,107,000 | 1,239,000 | 1,368,000 |
| Net income | 2,305,000 | 3,508,000 | 5,055,000 | 5,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,518,000 | 122,030,000 | 123,217,000 | 123,129,000 |
| Total capital | 128,518,000 | 129,214,000 | 130,360,000 | 130,328,000 |
| Risk-weighted assets | 730,859,000 | 731,755,000 | 689,588,000 | 697,023,000 |