Call reports 2018
FALL RIVER FIVE CENTS SAVINGS BANK — 2018
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 888,145,000 | 913,864,000 | 953,185,000 | 961,165,000 |
| Total loans | 660,268,000 | 694,530,000 | 719,440,000 | 744,851,000 |
| Allowance for loan losses | 6,554,000 | 6,551,000 | 6,462,000 | 6,296,000 |
| Securities available for sale | 112,669,000 | 124,990,000 | 126,707,000 | 131,455,000 |
| Securities held to maturity | 9,921,000 | 9,719,000 | 9,514,000 | 9,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,443,000 | 788,994,000 | 822,215,000 | 827,255,000 |
| Interest-bearing deposits | 620,567,000 | 636,144,000 | 667,693,000 | 677,450,000 |
| Noninterest-bearing deposits | 144,876,000 | 152,849,000 | 154,522,000 | 149,805,000 |
| Equity capital | 80,815,000 | 81,571,000 | 82,264,000 | 84,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,722,000 | 15,657,000 | 24,344,000 | 33,478,000 |
| Interest expense | 1,042,000 | 2,271,000 | 3,857,000 | 5,705,000 |
| Net interest income | 6,680,000 | 13,386,000 | 20,487,000 | 27,773,000 |
| Noninterest income | 1,193,000 | 2,554,000 | 3,966,000 | 5,300,000 |
| Noninterest expense | 6,637,000 | 13,467,000 | 20,052,000 | 27,267,000 |
| Provision for loan losses | 0 | 0 | -86,000 | -254,000 |
| Pretax income | 1,236,000 | 2,473,000 | 4,487,000 | 6,060,000 |
| Income tax | 266,000 | 532,000 | 998,000 | 1,369,000 |
| Net income | 970,000 | 1,941,000 | 3,489,000 | 4,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,718,000 | 83,689,000 | 85,237,000 | 86,439,000 |
| Total capital | 89,272,000 | 90,240,000 | 91,699,000 | 92,735,000 |
| Risk-weighted assets | 641,780,000 | 661,741,000 | 684,861,000 | 700,853,000 |