Call reports 2012
FALL RIVER FIVE CENTS SAVINGS BANK — 2012
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 727,909,000 | 722,100,000 | 716,251,000 | 720,508,000 |
| Total loans | 481,512,000 | 495,367,000 | 501,262,000 | 512,523,000 |
| Allowance for loan losses | 6,452,000 | 6,575,000 | 6,212,000 | 6,803,000 |
| Securities available for sale | 115,292,000 | 108,462,000 | 109,740,000 | 110,887,000 |
| Securities held to maturity | 9,852,000 | 9,592,000 | 9,317,000 | 9,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 619,606,000 | 615,636,000 | 613,318,000 | 616,709,000 |
| Interest-bearing deposits | 521,554,000 | 520,998,000 | 517,531,000 | 518,387,000 |
| Noninterest-bearing deposits | 98,052,000 | 94,638,000 | 95,787,000 | 98,322,000 |
| Equity capital | 68,701,000 | 69,811,000 | 71,316,000 | 72,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,402,000 | 14,760,000 | 22,045,000 | 29,375,000 |
| Interest expense | 1,405,000 | 2,744,000 | 4,012,000 | 5,166,000 |
| Net interest income | 5,997,000 | 12,016,000 | 18,033,000 | 24,209,000 |
| Noninterest income | 1,259,000 | 2,841,000 | 4,443,000 | 6,191,000 |
| Noninterest expense | 5,696,000 | 11,631,000 | 17,498,000 | 23,715,000 |
| Provision for loan losses | 2,000 | 291,000 | 295,000 | 1,094,000 |
| Pretax income | 1,558,000 | 3,306,000 | 5,062,000 | 5,981,000 |
| Income tax | 513,000 | 1,092,000 | 1,688,000 | 1,943,000 |
| Net income | 1,045,000 | 2,214,000 | 3,374,000 | 4,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,697,000 | 66,941,000 | 68,176,000 | 68,912,000 |
| Total capital | 71,881,000 | 73,307,000 | 74,391,000 | 75,534,000 |
| Risk-weighted assets | 494,270,000 | 508,867,000 | 515,595,000 | 529,611,000 |