Call reports 2021
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2021
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,221,409,000 | 1,244,830,000 | 1,260,795,000 | 1,286,414,000 |
| Total loans | 1,020,391,000 | 1,017,039,000 | 1,015,105,000 | 1,067,488,000 |
| Allowance for loan losses | 12,792,000 | 12,914,000 | 12,690,000 | 12,472,000 |
| Securities available for sale | 124,050,000 | 122,414,000 | 127,614,000 | 125,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,103,000 | 3,034,000 | 2,974,000 | 2,592,000 |
| Total deposits | 995,299,000 | 1,046,153,000 | 1,081,704,000 | 1,089,827,000 |
| Interest-bearing deposits | 795,376,000 | 852,350,000 | 873,090,000 | 889,480,000 |
| Noninterest-bearing deposits | 199,923,000 | 193,803,000 | 208,614,000 | 200,347,000 |
| Equity capital | 137,025,000 | 138,520,000 | 137,213,000 | 136,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,785,000 | 21,897,000 | 33,090,000 | 44,288,000 |
| Interest expense | 981,000 | 1,855,000 | 2,621,000 | 3,263,000 |
| Net interest income | 9,804,000 | 20,042,000 | 30,469,000 | 41,025,000 |
| Noninterest income | 831,000 | 1,565,000 | 2,252,000 | 3,337,000 |
| Noninterest expense | 7,948,000 | 16,488,000 | 25,160,000 | 35,919,000 |
| Provision for loan losses | 735,000 | 1,180,000 | 1,180,000 | 1,180,000 |
| Pretax income | 2,236,000 | 4,296,000 | 6,715,000 | 7,971,000 |
| Income tax | 532,000 | 1,031,000 | 1,581,000 | 1,732,000 |
| Net income | 1,704,000 | 3,265,000 | 5,134,000 | 6,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,881,000 | 138,984,000 | 138,403,000 | 138,937,000 |
| Total capital | 149,525,000 | 151,173,000 | 150,869,000 | 151,820,000 |
| Risk-weighted assets | 929,983,000 | 974,007,000 | 996,633,000 | 1,056,776,000 |