Call reports 2008
FALL RIVER FIVE CENTS SAVINGS BANK — 2008
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 671,445,000 | 677,851,000 | 680,539,000 | 693,777,000 |
| Total loans | 485,641,000 | 491,214,000 | 489,843,000 | 504,581,000 |
| Allowance for loan losses | 5,918,000 | 6,055,000 | 5,834,000 | 7,022,000 |
| Securities available for sale | 103,388,000 | 107,930,000 | 103,838,000 | 92,898,000 |
| Securities held to maturity | 12,536,000 | 12,293,000 | 12,173,000 | 11,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,666,000 | 533,963,000 | 534,548,000 | 543,238,000 |
| Interest-bearing deposits | 462,302,000 | 464,050,000 | 467,273,000 | 464,191,000 |
| Noninterest-bearing deposits | 64,364,000 | 69,913,000 | 67,275,000 | 79,047,000 |
| Equity capital | 60,757,000 | 60,050,000 | 59,141,000 | 58,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,277,000 | 18,389,000 | 27,626,000 | 36,687,000 |
| Interest expense | 4,768,000 | 9,023,000 | 12,832,000 | 16,511,000 |
| Net interest income | 4,509,000 | 9,366,000 | 14,794,000 | 20,176,000 |
| Noninterest income | 1,273,000 | 2,320,000 | 3,406,000 | 4,441,000 |
| Noninterest expense | 4,944,000 | 9,708,000 | 15,026,000 | 20,260,000 |
| Provision for loan losses | 113,000 | 300,000 | 572,000 | 1,900,000 |
| Pretax income | 784,000 | 1,736,000 | 254,000 | 328,000 |
| Income tax | 229,000 | 513,000 | -48,000 | 22,000 |
| Net income | 555,000 | 1,223,000 | 302,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,058,000 | 55,794,000 | 54,796,000 | 55,261,000 |
| Total capital | 60,892,000 | 61,716,000 | 60,630,000 | 61,324,000 |
| Risk-weighted assets | 466,673,000 | 472,986,000 | 474,579,000 | 484,043,000 |
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