Call reports 2003
FALL RIVER FIVE CENTS SAVINGS BANK — 2003
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 462,275,000 | 479,896,000 | 487,538,000 | 472,868,000 |
| Total loans | 278,458,000 | 273,421,000 | 276,172,000 | 273,575,000 |
| Allowance for loan losses | 3,106,000 | 3,131,000 | 3,113,000 | 3,111,000 |
| Securities available for sale | 130,477,000 | 153,855,000 | 164,144,000 | 151,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,888,000 | 377,223,000 | 379,969,000 | 370,733,000 |
| Interest-bearing deposits | 327,264,000 | 341,454,000 | 347,510,000 | 340,294,000 |
| Noninterest-bearing deposits | 31,624,000 | 35,769,000 | 32,459,000 | 30,439,000 |
| Equity capital | 44,657,000 | 46,963,000 | 50,385,000 | 50,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,208,000 | 12,345,000 | 18,306,000 | 24,237,000 |
| Interest expense | 2,479,000 | 4,826,000 | 6,957,000 | 8,969,000 |
| Net interest income | 3,729,000 | 7,519,000 | 11,349,000 | 15,268,000 |
| Noninterest income | 743,000 | 2,074,000 | 5,715,000 | 6,765,000 |
| Noninterest expense | 3,198,000 | 6,424,000 | 9,698,000 | 13,540,000 |
| Provision for loan losses | 120,000 | 180,000 | 240,000 | 330,000 |
| Pretax income | 1,089,000 | 2,921,000 | 6,904,000 | 8,177,000 |
| Income tax | 986,000 | 1,335,000 | 1,819,000 | 2,284,000 |
| Net income | 103,000 | 1,586,000 | 5,085,000 | 5,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,997,000 | 44,373,000 | 48,322,000 | 49,113,000 |
| Total capital | 46,103,000 | 47,504,000 | 51,435,000 | 52,224,000 |
| Risk-weighted assets | 306,325,000 | 320,750,000 | 320,056,000 | 310,956,000 |
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