Call reports 2020
FALL RIVER FIVE CENTS SAVINGS BANK — 2020
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,105,257,000 | 1,186,866,000 | 1,216,888,000 | 1,222,548,000 |
| Total loans | 885,151,000 | 920,568,000 | 916,190,000 | 930,506,000 |
| Allowance for loan losses | 6,188,000 | 6,176,000 | 6,607,000 | 7,025,000 |
| Securities available for sale | 137,028,000 | 156,465,000 | 185,030,000 | 193,294,000 |
| Securities held to maturity | 8,376,000 | 8,154,000 | 7,968,000 | 8,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 939,257,000 | 1,028,544,000 | 1,063,528,000 | 1,087,376,000 |
| Interest-bearing deposits | 766,392,000 | 809,078,000 | 851,277,000 | 871,200,000 |
| Noninterest-bearing deposits | 172,865,000 | 219,465,000 | 212,250,000 | 216,176,000 |
| Equity capital | 94,207,000 | 97,248,000 | 99,288,000 | 99,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,002,000 | 19,783,000 | 29,464,000 | 39,837,000 |
| Interest expense | 2,674,000 | 5,183,000 | 7,484,000 | 9,587,000 |
| Net interest income | 7,328,000 | 14,600,000 | 21,980,000 | 30,250,000 |
| Noninterest income | 2,370,000 | 8,658,000 | 15,528,000 | 21,856,000 |
| Noninterest expense | 8,468,000 | 18,734,000 | 29,739,000 | 40,664,000 |
| Provision for loan losses | 182,000 | 181,000 | 632,000 | 1,062,000 |
| Pretax income | 1,136,000 | 4,431,000 | 7,284,000 | 11,126,000 |
| Income tax | 233,000 | 1,070,000 | 1,776,000 | 2,717,000 |
| Net income | 903,000 | 3,361,000 | 5,508,000 | 8,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,722,000 | 95,180,000 | 97,328,000 | 99,820,000 |
| Total capital | 98,910,000 | 101,356,000 | 103,935,000 | 106,845,000 |
| Risk-weighted assets | 787,058,000 | 791,866,000 | 777,121,000 | 819,975,000 |