Call reports 2019
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2019
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 898,685,000 | 979,148,000 | 1,012,426,000 | 1,032,018,000 |
| Total loans | 702,433,000 | 770,664,000 | 829,827,000 | 843,446,000 |
| Allowance for loan losses | 7,044,000 | 7,506,000 | 8,254,000 | 8,511,000 |
| Securities available for sale | 131,629,000 | 102,155,000 | 109,580,000 | 119,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,068,000 | 777,911,000 | 775,741,000 | 769,110,000 |
| Interest-bearing deposits | 628,598,000 | 669,597,000 | 661,297,000 | 664,535,000 |
| Noninterest-bearing deposits | 94,470,000 | 108,314,000 | 114,444,000 | 104,575,000 |
| Equity capital | 125,818,000 | 126,670,000 | 127,525,000 | 128,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,164,000 | 18,515,000 | 28,591,000 | 39,024,000 |
| Interest expense | 2,562,000 | 5,432,000 | 8,486,000 | 11,366,000 |
| Net interest income | 6,602,000 | 13,083,000 | 20,105,000 | 27,658,000 |
| Noninterest income | 527,000 | 1,209,000 | 2,207,000 | 3,063,000 |
| Noninterest expense | 6,274,000 | 13,005,000 | 19,454,000 | 26,701,000 |
| Provision for loan losses | 252,000 | 709,000 | 1,409,000 | 1,759,000 |
| Pretax income | 876,000 | 1,692,000 | 2,624,000 | 3,979,000 |
| Income tax | 84,000 | 309,000 | 415,000 | 618,000 |
| Net income | 792,000 | 1,383,000 | 2,209,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,398,000 | 125,834,000 | 126,483,000 | 127,268,000 |
| Total capital | 132,853,000 | 133,751,000 | 135,148,000 | 136,190,000 |
| Risk-weighted assets | 722,955,000 | 770,558,000 | 810,315,000 | 813,415,000 |