Call reports 2015
FALL RIVER FIVE CENTS SAVINGS BANK — 2015
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 800,201,000 | 812,118,000 | 814,417,000 | 815,462,000 |
| Total loans | 544,610,000 | 546,559,000 | 563,609,000 | 586,759,000 |
| Allowance for loan losses | 6,947,000 | 6,907,000 | 6,694,000 | 6,148,000 |
| Securities available for sale | 106,349,000 | 112,395,000 | 107,034,000 | 111,971,000 |
| Securities held to maturity | 14,005,000 | 13,693,000 | 13,240,000 | 12,856,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 685,791,000 | 697,242,000 | 697,811,000 | 699,515,000 |
| Interest-bearing deposits | 564,857,000 | 575,173,000 | 577,227,000 | 579,181,000 |
| Noninterest-bearing deposits | 120,934,000 | 122,069,000 | 120,584,000 | 120,334,000 |
| Equity capital | 75,767,000 | 75,869,000 | 77,246,000 | 78,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,874,000 | 13,782,000 | 20,702,000 | 27,659,000 |
| Interest expense | 860,000 | 1,726,000 | 2,601,000 | 3,453,000 |
| Net interest income | 6,014,000 | 12,056,000 | 18,101,000 | 24,206,000 |
| Noninterest income | 1,034,000 | 2,255,000 | 3,461,000 | 4,570,000 |
| Noninterest expense | 6,316,000 | 12,652,000 | 18,670,000 | 25,076,000 |
| Provision for loan losses | -1,000 | 7,000 | 5,000 | 138,000 |
| Pretax income | 944,000 | 1,863,000 | 3,250,000 | 3,925,000 |
| Income tax | 312,000 | 605,000 | 1,049,000 | 1,224,000 |
| Net income | 632,000 | 1,258,000 | 2,201,000 | 2,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,416,000 | 73,572,000 | 75,321,000 | 77,183,000 |
| Total capital | 80,363,000 | 80,479,000 | 82,015,000 | 83,331,000 |
| Risk-weighted assets | 576,816,000 | 587,770,000 | 599,228,000 | 623,135,000 |