Call reports 2013
FALL RIVER FIVE CENTS SAVINGS BANK — 2013
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 736,641,000 | 747,288,000 | 749,393,000 | 749,318,000 |
| Total loans | 507,760,000 | 501,171,000 | 503,492,000 | 505,894,000 |
| Allowance for loan losses | 6,697,000 | 6,547,000 | 6,321,000 | 5,847,000 |
| Securities available for sale | 113,258,000 | 112,723,000 | 111,134,000 | 108,308,000 |
| Securities held to maturity | 7,404,000 | 7,176,000 | 10,344,000 | 12,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 625,012,000 | 640,464,000 | 641,701,000 | 641,877,000 |
| Interest-bearing deposits | 527,892,000 | 530,545,000 | 535,837,000 | 536,061,000 |
| Noninterest-bearing deposits | 97,120,000 | 109,919,000 | 105,864,000 | 105,816,000 |
| Equity capital | 72,817,000 | 71,745,000 | 72,171,000 | 75,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,068,000 | 14,018,000 | 21,020,000 | 28,039,000 |
| Interest expense | 1,071,000 | 2,099,000 | 3,059,000 | 3,970,000 |
| Net interest income | 5,997,000 | 11,919,000 | 17,961,000 | 24,069,000 |
| Noninterest income | 1,504,000 | 2,858,000 | 3,874,000 | 5,197,000 |
| Noninterest expense | 5,910,000 | 11,671,000 | 17,527,000 | 23,476,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 66,000 |
| Pretax income | 1,591,000 | 3,106,000 | 4,305,000 | 5,725,000 |
| Income tax | 570,000 | 1,123,000 | 1,542,000 | 2,053,000 |
| Net income | 1,021,000 | 1,983,000 | 2,763,000 | 3,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,010,000 | 71,047,000 | 71,902,000 | 72,886,000 |
| Total capital | 76,650,000 | 77,599,000 | 78,227,000 | 78,741,000 |
| Risk-weighted assets | 531,115,000 | 530,524,000 | 537,718,000 | 538,417,000 |