Call reports 2022
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2022
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,360,150,000 | 1,455,512,000 | 1,489,283,000 | 1,537,046,000 |
| Total loans | 1,143,189,000 | 1,249,585,000 | 1,288,874,000 | 1,299,385,000 |
| Allowance for loan losses | 12,144,000 | 12,395,000 | 12,488,000 | 12,028,000 |
| Securities available for sale | 121,829,000 | 128,076,000 | 119,882,000 | 133,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,986,000 | 7,241,000 | 11,063,000 | 10,554,000 |
| Total deposits | 1,193,731,000 | 1,203,021,000 | 1,265,877,000 | 1,356,792,000 |
| Interest-bearing deposits | 980,674,000 | 982,293,000 | 1,034,788,000 | 1,117,871,000 |
| Noninterest-bearing deposits | 213,057,000 | 220,728,000 | 231,089,000 | 238,921,000 |
| Equity capital | 130,710,000 | 126,705,000 | 122,983,000 | 126,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,387,000 | 24,085,000 | 38,877,000 | 54,836,000 |
| Interest expense | 646,000 | 1,702,000 | 3,911,000 | 7,633,000 |
| Net interest income | 10,741,000 | 22,383,000 | 34,966,000 | 47,203,000 |
| Noninterest income | 869,000 | 1,845,000 | 2,440,000 | 3,111,000 |
| Noninterest expense | 9,083,000 | 18,643,000 | 28,945,000 | 40,127,000 |
| Provision for loan losses | 0 | 500,000 | 850,000 | 740,000 |
| Pretax income | 2,382,000 | 4,305,000 | 6,715,000 | 8,796,000 |
| Income tax | 571,000 | 1,025,000 | 1,553,000 | 1,840,000 |
| Net income | 1,811,000 | 3,280,000 | 5,162,000 | 6,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,504,000 | 139,396,000 | 141,303,000 | 143,096,000 |
| Total capital | 151,059,000 | 152,202,000 | 154,202,000 | 155,535,000 |
| Risk-weighted assets | 1,137,333,000 | 1,220,202,000 | 1,241,789,000 | 1,251,666,000 |