Call reports 2023
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2023
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,539,403,000 | 1,535,937,000 | 1,543,831,000 | 1,574,497,000 |
| Total loans | 1,324,199,000 | 1,306,629,000 | 1,325,900,000 | 1,339,620,000 |
| Allowance for loan losses | 12,724,000 | 12,732,000 | 13,083,000 | 12,969,000 |
| Securities available for sale | 133,527,000 | 129,235,000 | 117,902,000 | 133,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,889,000 | 10,689,000 | 10,643,000 | 7,930,000 |
| Total deposits | 1,340,728,000 | 1,224,336,000 | 1,214,696,000 | 1,194,199,000 |
| Interest-bearing deposits | 1,129,781,000 | 1,009,839,000 | 1,010,222,000 | 997,679,000 |
| Noninterest-bearing deposits | 210,947,000 | 214,497,000 | 204,474,000 | 196,520,000 |
| Equity capital | 128,086,000 | 129,578,000 | 125,615,000 | 138,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 17,146,000 | 35,311,000 | 53,737,000 | 73,649,000 |
| Interest expense | 5,601,000 | 12,776,000 | 20,416,000 | 28,977,000 |
| Net interest income | 11,545,000 | 22,535,000 | 33,321,000 | 44,672,000 |
| Noninterest income | 565,000 | 1,269,000 | 1,932,000 | 2,562,000 |
| Noninterest expense | 9,715,000 | 20,055,000 | 30,868,000 | 41,669,000 |
| Provision for loan losses | 1,035,000 | 1,552,000 | 2,755,000 | 3,582,000 |
| Pretax income | 1,401,000 | 2,288,000 | 1,750,000 | 3,593,000 |
| Income tax | 229,000 | 158,000 | -159,000 | 127,000 |
| Net income | 1,172,000 | 2,130,000 | 1,909,000 | 3,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,057,000 | 144,533,000 | 144,311,000 | 155,869,000 |
| Total capital | 156,816,000 | 158,225,000 | 158,329,000 | 169,933,000 |
| Risk-weighted assets | 1,282,046,000 | 1,292,760,000 | 1,296,501,000 | 1,323,451,000 |