Call reports 2007
FALL RIVER FIVE CENTS SAVINGS BANK — 2007
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 601,862,000 | 614,054,000 | 666,907,000 | 668,392,000 |
| Total loans | 453,877,000 | 448,906,000 | 477,842,000 | 485,493,000 |
| Allowance for loan losses | 5,138,000 | 5,051,000 | 5,912,000 | 5,875,000 |
| Securities available for sale | 85,900,000 | 85,662,000 | 88,086,000 | 97,165,000 |
| Securities held to maturity | 0 | 0 | 5,673,000 | 6,689,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,638,000 | 459,927,000 | 516,276,000 | 521,452,000 |
| Interest-bearing deposits | 401,079,000 | 411,952,000 | 453,814,000 | 454,261,000 |
| Noninterest-bearing deposits | 47,559,000 | 47,975,000 | 62,462,000 | 67,191,000 |
| Equity capital | 58,248,000 | 57,885,000 | 58,729,000 | 60,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,638,000 | 17,314,000 | 26,772,000 | 36,302,000 |
| Interest expense | 4,365,000 | 8,952,000 | 13,872,000 | 18,847,000 |
| Net interest income | 4,273,000 | 8,362,000 | 12,900,000 | 17,455,000 |
| Noninterest income | 843,000 | 1,726,000 | 2,791,000 | 3,944,000 |
| Noninterest expense | 4,176,000 | 8,684,000 | 13,490,000 | 18,317,000 |
| Provision for loan losses | 107,000 | 341,000 | 807,000 | 845,000 |
| Pretax income | 833,000 | 1,063,000 | 1,399,000 | 2,242,000 |
| Income tax | 243,000 | 280,000 | 364,000 | 615,000 |
| Net income | 590,000 | 783,000 | 1,035,000 | 1,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,725,000 | 58,890,000 | 54,369,000 | 54,793,000 |
| Total capital | 63,863,000 | 63,941,000 | 60,153,000 | 60,668,000 |
| Risk-weighted assets | 435,034,000 | 434,898,000 | 462,620,000 | 469,324,000 |
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