Newburyport Five Cents Savings Bank is a Massachusetts based savings bank.  Newburyport Five Cents Savings Bank was established on April 1, 1854
The bank has been FDIC insured since July 1, 1985.  Newburyport Five Cents Savings Bank is chartered as a FDIC Savings Bank.  The primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the close of 2008, the bank had assets of $587,666,000 and total deposits of $396,454,000.  For the full year of 2008, the bank incurred a net loss of -$3,967,000; however the operating income for the year was positive with a net operating income of $551,000.

Newburyport Five Cents Savings Bank most recent performance ratios.
As of December 31, 2008:

Return on assets (ROA) -0.68%
Return on equity (ROE) -4.59%
Yield on earning assets 5.89% 
Cost of funding earning assets 2.93% 
Net interest margin 2.96%
Noncurrent loans to loans 1.80%
Equity capital to assets 13.00% 
Core capital (leverage) ratio 13.20% 
Tier 1 risk-based capital ratio 18.69% 
Total risk-based capital ratio 19.85%
 
Newburyport Five Cents Savings Bank products and services:

Free personal checking account, basic checking, Spinnaker checking account, NOW accounts, money market accounts, premier money market account, statement savings, passbook savings, Christmas clubs, certificate of deposit, IRA services, business checking accounts, business savings account, business money market accounts, real estate loans pesonal and business, business term and equipment loans, SBA loans, business lines of credit, letters of credit, merchant credit card services, night deposit, cash management, home equity loans and lines of credit, fixed rate mortgages, adjustable rate mortgage, personal loan, auto and boat loans, passbook loans, cash Reserve, telephone banking and online banking.

Newburyport Five Cents Savings Bank locations:

63 State Street
Newburyport, MA 01950
Ph. 978.462.3136
Fax 978.462.9672

21 Storey Avenue
Newburyport, MA 01950
Ph. 978.462.0722
Fax 978.462.6703

Crossroads Plaza
Salisbury, MA 01952
Ph. 978.462.8771
Fax 978.462.6725

Bank on the Green
27 High Road
Newbury, MA 01951
Ph. 978.462.2645
Fax 978.462.0437

43 Main Street
Amesbury, MA 01913
Ph. 978.388.1102
Fax 978.388.2607

40 Friend Street
Amesbury, MA 01913
Ph. 978.388.3157
Fax 978.388.3196

Newburyport Five Cents Savings Bank web address: www.newburyportbank.com

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