Call reports 2016
FALL RIVER FIVE CENTS SAVINGS BANK — 2016
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 818,224,000 | 832,665,000 | 844,973,000 | 844,476,000 |
| Total loans | 586,986,000 | 592,083,000 | 597,922,000 | 613,953,000 |
| Allowance for loan losses | 6,147,000 | 6,077,000 | 6,094,000 | 6,384,000 |
| Securities available for sale | 113,628,000 | 113,445,000 | 111,932,000 | 113,641,000 |
| Securities held to maturity | 11,028,000 | 10,761,000 | 10,559,000 | 9,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 697,880,000 | 713,174,000 | 724,757,000 | 730,277,000 |
| Interest-bearing deposits | 574,711,000 | 583,619,000 | 590,818,000 | 592,715,000 |
| Noninterest-bearing deposits | 123,169,000 | 129,556,000 | 133,939,000 | 137,561,000 |
| Equity capital | 79,826,000 | 80,725,000 | 80,968,000 | 79,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,987,000 | 13,962,000 | 20,929,000 | 27,924,000 |
| Interest expense | 836,000 | 1,696,000 | 2,585,000 | 3,480,000 |
| Net interest income | 6,151,000 | 12,266,000 | 18,344,000 | 24,444,000 |
| Noninterest income | 1,080,000 | 2,337,000 | 3,740,000 | 4,973,000 |
| Noninterest expense | 6,226,000 | 12,553,000 | 18,795,000 | 25,613,000 |
| Provision for loan losses | 65,000 | 480,000 | 916,000 | 1,401,000 |
| Pretax income | 1,046,000 | 1,693,000 | 2,519,000 | 2,549,000 |
| Income tax | 317,000 | 476,000 | 750,000 | 782,000 |
| Net income | 729,000 | 1,217,000 | 1,769,000 | 1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,912,000 | 78,399,000 | 78,950,000 | 78,949,000 |
| Total capital | 84,059,000 | 84,476,000 | 85,044,000 | 85,333,000 |
| Risk-weighted assets | 617,784,000 | 627,158,000 | 634,679,000 | 657,816,000 |