Call reports 2024
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2024
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,598,162,000 | 1,612,359,000 | 1,639,136,000 | 1,631,222,000 |
| Total loans | 1,356,909,000 | 1,364,812,000 | 1,359,466,000 | 1,364,215,000 |
| Allowance for loan losses | 13,008,000 | 13,386,000 | 18,179,000 | 18,439,000 |
| Securities available for sale | 131,992,000 | 134,241,000 | 151,733,000 | 147,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 9,021,000 | 8,827,000 | 7,160,000 | 7,454,000 |
| Total deposits | 1,224,001,000 | 1,272,771,000 | 1,321,558,000 | 1,321,413,000 |
| Interest-bearing deposits | 1,029,649,000 | 1,089,554,000 | 1,132,864,000 | 1,136,573,000 |
| Noninterest-bearing deposits | 194,352,000 | 183,217,000 | 188,694,000 | 184,840,000 |
| Equity capital | 139,625,000 | 139,781,000 | 137,665,000 | 136,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 19,912,000 | 40,435,000 | 61,238,000 | 82,107,000 |
| Interest expense | 9,473,000 | 19,780,000 | 30,910,000 | 42,069,000 |
| Net interest income | 10,439,000 | 20,655,000 | 30,328,000 | 40,038,000 |
| Noninterest income | 804,000 | 1,966,000 | 2,555,000 | 3,205,000 |
| Noninterest expense | 9,859,000 | 19,905,000 | 29,676,000 | 39,239,000 |
| Provision for loan losses | 1,218,000 | 2,488,000 | 8,138,000 | 9,197,000 |
| Pretax income | 774,000 | 857,000 | -3,134,000 | -3,492,000 |
| Income tax | 36,000 | -174,000 | -1,163,000 | -1,897,000 |
| Net income | 738,000 | 1,031,000 | -1,971,000 | -1,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,607,000 | 156,900,000 | 153,897,000 | 154,274,000 |
| Total capital | 170,770,000 | 171,411,000 | 171,109,000 | 171,377,000 |
| Risk-weighted assets | 1,376,648,000 | 1,366,889,000 | 1,374,881,000 | 1,366,009,000 |