Call reports 2017
FALL RIVER FIVE CENTS SAVINGS BANK — 2017
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 865,532,000 | 856,494,000 | 858,014,000 | 889,641,000 |
| Total loans | 635,136,000 | 641,530,000 | 642,753,000 | 652,722,000 |
| Allowance for loan losses | 6,496,000 | 6,607,000 | 6,785,000 | 6,562,000 |
| Securities available for sale | 109,646,000 | 112,100,000 | 109,765,000 | 114,575,000 |
| Securities held to maturity | 11,388,000 | 11,131,000 | 10,831,000 | 10,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 750,430,000 | 741,752,000 | 737,138,000 | 763,918,000 |
| Interest-bearing deposits | 609,164,000 | 595,801,000 | 596,024,000 | 611,184,000 |
| Noninterest-bearing deposits | 141,266,000 | 145,952,000 | 141,114,000 | 152,734,000 |
| Equity capital | 79,977,000 | 81,095,000 | 82,204,000 | 80,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,215,000 | 14,684,000 | 22,339,000 | 29,959,000 |
| Interest expense | 855,000 | 1,695,000 | 2,571,000 | 3,535,000 |
| Net interest income | 6,360,000 | 12,989,000 | 19,768,000 | 26,424,000 |
| Noninterest income | 1,144,000 | 2,349,000 | 3,685,000 | 5,161,000 |
| Noninterest expense | 6,389,000 | 12,699,000 | 19,005,000 | 25,666,000 |
| Provision for loan losses | 320,000 | 480,000 | 654,000 | 469,000 |
| Pretax income | 795,000 | 2,159,000 | 3,794,000 | 5,450,000 |
| Income tax | 215,000 | 682,000 | 1,247,000 | 3,071,000 |
| Net income | 580,000 | 1,477,000 | 2,547,000 | 2,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,504,000 | 80,402,000 | 81,472,000 | 81,569,000 |
| Total capital | 86,000,000 | 87,009,000 | 88,258,000 | 88,131,000 |
| Risk-weighted assets | 681,214,000 | 670,647,000 | 670,613,000 | 692,930,000 |