Call reports 2020
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2020
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,089,000,000 | 1,165,635,000 | 1,185,617,000 | 1,205,217,000 |
| Total loans | 867,323,000 | 956,642,000 | 981,160,000 | 992,415,000 |
| Allowance for loan losses | 9,555,000 | 10,593,000 | 11,713,000 | 12,390,000 |
| Securities available for sale | 114,091,000 | 104,820,000 | 111,678,000 | 101,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,531,000 | 5,210,000 | 5,555,000 | 4,633,000 |
| Total deposits | 770,871,000 | 817,065,000 | 869,170,000 | 890,278,000 |
| Interest-bearing deposits | 653,619,000 | 642,676,000 | 696,075,000 | 717,372,000 |
| Noninterest-bearing deposits | 117,252,000 | 174,389,000 | 173,095,000 | 172,906,000 |
| Equity capital | 135,637,000 | 136,891,000 | 137,646,000 | 139,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,563,000 | 20,792,000 | 31,301,000 | 42,448,000 |
| Interest expense | 2,594,000 | 4,002,000 | 5,257,000 | 6,335,000 |
| Net interest income | 7,969,000 | 16,790,000 | 26,044,000 | 36,113,000 |
| Noninterest income | 1,341,000 | 2,277,000 | 3,561,000 | 4,922,000 |
| Noninterest expense | 7,283,000 | 14,489,000 | 22,650,000 | 31,165,000 |
| Provision for loan losses | 1,200,000 | 2,613,000 | 3,903,000 | 5,167,000 |
| Pretax income | 861,000 | 2,385,000 | 3,497,000 | 5,533,000 |
| Income tax | 131,000 | 388,000 | 580,000 | 932,000 |
| Net income | 730,000 | 1,997,000 | 2,917,000 | 4,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,721,000 | 135,986,000 | 136,907,000 | 138,591,000 |
| Total capital | 144,687,000 | 146,948,000 | 148,163,000 | 150,294,000 |
| Risk-weighted assets | 866,363,000 | 876,893,000 | 899,597,000 | 935,166,000 |