Call reports 2014
FALL RIVER FIVE CENTS SAVINGS BANK — 2014
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 759,202,000 | 767,996,000 | 753,136,000 | 771,736,000 |
| Total loans | 515,577,000 | 525,854,000 | 532,522,000 | 545,496,000 |
| Allowance for loan losses | 5,953,000 | 5,930,000 | 5,807,000 | 6,988,000 |
| Securities available for sale | 106,481,000 | 108,755,000 | 107,815,000 | 111,122,000 |
| Securities held to maturity | 11,874,000 | 11,586,000 | 10,886,000 | 10,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,831,000 | 661,333,000 | 647,138,000 | 658,452,000 |
| Interest-bearing deposits | 548,961,000 | 551,843,000 | 540,688,000 | 553,622,000 |
| Noninterest-bearing deposits | 104,870,000 | 109,490,000 | 106,450,000 | 104,830,000 |
| Equity capital | 76,330,000 | 77,901,000 | 77,373,000 | 74,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,902,000 | 13,854,000 | 20,869,000 | 27,867,000 |
| Interest expense | 853,000 | 1,699,000 | 2,528,000 | 3,365,000 |
| Net interest income | 6,049,000 | 12,155,000 | 18,341,000 | 24,502,000 |
| Noninterest income | 1,055,000 | 2,128,000 | 3,257,000 | 4,573,000 |
| Noninterest expense | 5,778,000 | 11,619,000 | 17,629,000 | 24,202,000 |
| Provision for loan losses | 189,000 | 223,000 | 2,061,000 | 3,281,000 |
| Pretax income | 1,137,000 | 2,461,000 | 1,928,000 | 1,612,000 |
| Income tax | 381,000 | 852,000 | 601,000 | 465,000 |
| Net income | 756,000 | 1,609,000 | 1,327,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,697,000 | 74,644,000 | 74,437,000 | 72,320,000 |
| Total capital | 79,650,000 | 80,574,000 | 80,244,000 | 79,308,000 |
| Risk-weighted assets | 545,886,000 | 553,602,000 | 558,457,000 | 572,110,000 |
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