Call reports 2009
FALL RIVER FIVE CENTS SAVINGS BANK — 2009
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 707,596,000 | 707,443,000 | 708,288,000 | 708,758,000 |
| Total loans | 505,494,000 | 509,055,000 | 508,399,000 | 505,187,000 |
| Allowance for loan losses | 7,002,000 | 7,286,000 | 7,375,000 | 7,956,000 |
| Securities available for sale | 92,883,000 | 95,892,000 | 98,559,000 | 96,817,000 |
| Securities held to maturity | 11,435,000 | 11,100,000 | 9,690,000 | 9,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,465,000 | 562,365,000 | 574,487,000 | 576,959,000 |
| Interest-bearing deposits | 494,093,000 | 498,018,000 | 507,197,000 | 508,869,000 |
| Noninterest-bearing deposits | 66,372,000 | 64,347,000 | 67,290,000 | 68,090,000 |
| Equity capital | 59,661,000 | 59,858,000 | 61,135,000 | 61,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,739,000 | 17,525,000 | 26,174,000 | 34,831,000 |
| Interest expense | 3,449,000 | 6,759,000 | 9,826,000 | 12,530,000 |
| Net interest income | 5,290,000 | 10,766,000 | 16,348,000 | 22,301,000 |
| Noninterest income | 1,107,000 | 2,390,000 | 3,734,000 | 4,958,000 |
| Noninterest expense | 5,686,000 | 11,382,000 | 17,321,000 | 23,506,000 |
| Provision for loan losses | 216,000 | 937,000 | 1,761,000 | 3,053,000 |
| Pretax income | 497,000 | 839,000 | 1,064,000 | 764,000 |
| Income tax | 139,000 | 226,000 | 266,000 | -9,000 |
| Net income | 358,000 | 613,000 | 798,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,885,000 | 56,265,000 | 56,519,000 | 56,201,000 |
| Total capital | 61,911,000 | 62,414,000 | 62,651,000 | 62,339,000 |
| Risk-weighted assets | 481,120,000 | 490,746,000 | 489,333,000 | 489,049,000 |
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