Call reports 2006
FALL RIVER FIVE CENTS SAVINGS BANK — 2006
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 569,738,000 | 604,956,000 | 602,625,000 | 607,212,000 |
| Total loans | 436,096,000 | 458,041,000 | 456,696,000 | 458,311,000 |
| Allowance for loan losses | 4,719,000 | 4,970,000 | 5,018,000 | 5,031,000 |
| Securities available for sale | 80,598,000 | 83,428,000 | 87,495,000 | 87,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,996,000 | 448,627,000 | 445,568,000 | 445,668,000 |
| Interest-bearing deposits | 380,620,000 | 402,115,000 | 397,458,000 | 397,378,000 |
| Noninterest-bearing deposits | 45,376,000 | 46,512,000 | 48,110,000 | 48,290,000 |
| Equity capital | 54,119,000 | 54,639,000 | 56,264,000 | 57,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,403,000 | 15,319,000 | 23,797,000 | 32,430,000 |
| Interest expense | 3,032,000 | 6,574,000 | 10,657,000 | 14,926,000 |
| Net interest income | 4,371,000 | 8,745,000 | 13,140,000 | 17,504,000 |
| Noninterest income | 802,000 | 1,664,000 | 2,564,000 | 3,431,000 |
| Noninterest expense | 3,942,000 | 7,875,000 | 11,907,000 | 15,724,000 |
| Provision for loan losses | 238,000 | 571,000 | 656,000 | 731,000 |
| Pretax income | 993,000 | 1,963,000 | 3,141,000 | 4,734,000 |
| Income tax | 280,000 | 546,000 | 908,000 | 1,403,000 |
| Net income | 713,000 | 1,417,000 | 2,233,000 | 3,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,435,000 | 56,124,000 | 57,004,000 | 58,118,000 |
| Total capital | 60,154,000 | 61,094,000 | 62,022,000 | 63,149,000 |
| Risk-weighted assets | 414,409,000 | 434,644,000 | 435,338,000 | 436,833,000 |
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