Call reports 2005
FALL RIVER FIVE CENTS SAVINGS BANK — 2005
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 536,042,000 | 566,185,000 | 566,193,000 | 563,900,000 |
| Total loans | 396,967,000 | 427,980,000 | 426,187,000 | 425,968,000 |
| Allowance for loan losses | 4,054,000 | 4,356,000 | 4,427,000 | 4,490,000 |
| Securities available for sale | 91,837,000 | 86,970,000 | 82,709,000 | 83,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,298,000 | 418,911,000 | 429,027,000 | 418,503,000 |
| Interest-bearing deposits | 363,789,000 | 376,426,000 | 382,753,000 | 372,460,000 |
| Noninterest-bearing deposits | 38,509,000 | 42,485,000 | 46,274,000 | 46,043,000 |
| Equity capital | 51,314,000 | 52,529,000 | 53,012,000 | 53,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,141,000 | 12,798,000 | 19,880,000 | 27,196,000 |
| Interest expense | 2,072,000 | 4,618,000 | 7,320,000 | 10,164,000 |
| Net interest income | 4,069,000 | 8,180,000 | 12,560,000 | 17,032,000 |
| Noninterest income | 827,000 | 1,731,000 | 2,636,000 | 3,493,000 |
| Noninterest expense | 3,877,000 | 7,503,000 | 11,396,000 | 15,271,000 |
| Provision for loan losses | 328,000 | 704,000 | 832,000 | 962,000 |
| Pretax income | 641,000 | 1,670,000 | 2,934,000 | 4,258,000 |
| Income tax | 68,000 | 309,000 | 649,000 | 1,145,000 |
| Net income | 573,000 | 1,361,000 | 2,285,000 | 3,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,301,000 | 52,993,000 | 53,900,000 | 54,682,000 |
| Total capital | 56,355,000 | 57,349,000 | 58,327,000 | 59,172,000 |
| Risk-weighted assets | 385,944,000 | 408,820,000 | 406,930,000 | 407,005,000 |
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