Call reports 2011
FALL RIVER FIVE CENTS SAVINGS BANK — 2011
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 713,313,000 | 739,229,000 | 745,813,000 | 720,602,000 |
| Total loans | 482,057,000 | 482,711,000 | 479,051,000 | 479,939,000 |
| Allowance for loan losses | 6,740,000 | 6,619,000 | 6,521,000 | 6,765,000 |
| Securities available for sale | 95,234,000 | 111,954,000 | 115,068,000 | 113,886,000 |
| Securities held to maturity | 10,905,000 | 10,548,000 | 10,425,000 | 10,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 601,556,000 | 625,419,000 | 640,378,000 | 613,256,000 |
| Interest-bearing deposits | 522,702,000 | 534,320,000 | 544,305,000 | 520,115,000 |
| Noninterest-bearing deposits | 78,854,000 | 91,099,000 | 96,073,000 | 93,141,000 |
| Equity capital | 65,028,000 | 66,963,000 | 68,143,000 | 67,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,840,000 | 15,788,000 | 23,525,000 | 31,067,000 |
| Interest expense | 1,808,000 | 3,590,000 | 5,281,000 | 6,819,000 |
| Net interest income | 6,032,000 | 12,198,000 | 18,244,000 | 24,248,000 |
| Noninterest income | 889,000 | 2,243,000 | 3,432,000 | 4,740,000 |
| Noninterest expense | 5,997,000 | 12,059,000 | 17,989,000 | 23,432,000 |
| Provision for loan losses | 2,000 | -33,000 | 547,000 | 1,103,000 |
| Pretax income | 922,000 | 2,461,000 | 3,737,000 | 5,050,000 |
| Income tax | 272,000 | 766,000 | 1,137,000 | 1,518,000 |
| Net income | 650,000 | 1,695,000 | 2,600,000 | 3,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,465,000 | 62,586,000 | 63,564,000 | 64,505,000 |
| Total capital | 67,436,000 | 68,573,000 | 69,529,000 | 70,617,000 |
| Risk-weighted assets | 476,904,000 | 478,358,000 | 476,653,000 | 488,326,000 |