Call reports 2004
FALL RIVER FIVE CENTS SAVINGS BANK — 2004
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 479,788,000 | 498,084,000 | 515,821,000 | 511,087,000 |
| Total loans | 296,509,000 | 315,652,000 | 350,906,000 | 351,492,000 |
| Allowance for loan losses | 3,235,000 | 3,608,000 | 3,705,000 | 3,718,000 |
| Securities available for sale | 131,931,000 | 121,777,000 | 106,321,000 | 108,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,610,000 | 393,982,000 | 396,873,000 | 394,199,000 |
| Interest-bearing deposits | 346,906,000 | 360,300,000 | 357,040,000 | 356,276,000 |
| Noninterest-bearing deposits | 30,704,000 | 33,682,000 | 39,833,000 | 37,923,000 |
| Equity capital | 51,295,000 | 49,713,000 | 51,286,000 | 51,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,760,000 | 11,392,000 | 17,514,000 | 23,474,000 |
| Interest expense | 1,874,000 | 3,726,000 | 5,714,000 | 7,755,000 |
| Net interest income | 3,886,000 | 7,666,000 | 11,800,000 | 15,719,000 |
| Noninterest income | 605,000 | 1,604,000 | 2,476,000 | 3,320,000 |
| Noninterest expense | 3,730,000 | 7,243,000 | 10,908,000 | 14,887,000 |
| Provision for loan losses | 120,000 | 500,000 | 620,000 | 740,000 |
| Pretax income | 623,000 | 1,817,000 | 3,156,000 | 3,299,000 |
| Income tax | 210,000 | 655,000 | 1,156,000 | 974,000 |
| Net income | 413,000 | 1,162,000 | 2,000,000 | 2,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,496,000 | 50,014,000 | 51,041,000 | 51,788,000 |
| Total capital | 52,731,000 | 53,622,000 | 54,746,000 | 55,506,000 |
| Risk-weighted assets | 319,550,000 | 329,387,000 | 349,877,000 | 362,198,000 |
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