Call reports 2025
NEWBURYPORT FIVE CENTS SAVINGS BANK — 2025
What NEWBURYPORT FIVE CENTS SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,611,460,000 | 1,615,728,000 | 1,608,840,000 | 1,586,852,000 |
| Total loans | 1,343,505,000 | 1,342,546,000 | 1,347,260,000 | 1,327,814,000 |
| Allowance for loan losses | 18,125,000 | 17,921,000 | 21,313,000 | 17,446,000 |
| Securities available for sale | 151,131,000 | 162,005,000 | 168,329,000 | 168,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 6,580,000 | 5,861,000 | 5,372,000 | 4,269,000 |
| Total deposits | 1,328,514,000 | 1,322,226,000 | 1,317,964,000 | 1,311,761,000 |
| Interest-bearing deposits | 1,142,793,000 | 1,130,267,000 | 1,112,341,000 | 1,117,922,000 |
| Noninterest-bearing deposits | 185,721,000 | 191,959,000 | 205,623,000 | 193,839,000 |
| Equity capital | 137,826,000 | 138,933,000 | 139,190,000 | 139,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,135,000 | 40,533,000 | 61,147,000 | 81,827,000 |
| Interest expense | 10,282,000 | 20,286,000 | 30,247,000 | 39,654,000 |
| Net interest income | 9,853,000 | 20,247,000 | 30,900,000 | 42,173,000 |
| Noninterest income | 553,000 | 1,146,000 | 1,801,000 | 2,419,000 |
| Noninterest expense | 9,831,000 | 20,554,000 | 31,289,000 | 42,339,000 |
| Provision for loan losses | 223,000 | 357,000 | 4,262,000 | 7,812,000 |
| Pretax income | -47,000 | 466,000 | -1,503,000 | -4,023,000 |
| Income tax | -244,000 | -374,000 | -893,000 | -1,627,000 |
| Net income | 197,000 | 840,000 | -610,000 | -2,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,471,000 | 155,114,000 | 153,665,000 | 151,878,000 |
| Total capital | 171,364,000 | 172,120,000 | 170,799,000 | 168,497,000 |
| Risk-weighted assets | 1,349,209,000 | 1,358,457,000 | 1,365,432,000 | 1,327,637,000 |