Call reports 2021
FALL RIVER FIVE CENTS SAVINGS BANK — 2021
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,320,164,000 | 1,334,896,000 | 1,340,639,000 | 1,446,964,000 |
| Total loans | 946,504,000 | 989,857,000 | 1,025,653,000 | 1,089,592,000 |
| Allowance for loan losses | 7,294,000 | 7,600,000 | 7,849,000 | 8,257,000 |
| Securities available for sale | 208,933,000 | 238,365,000 | 228,205,000 | 243,402,000 |
| Securities held to maturity | 8,492,000 | 8,269,000 | 8,110,000 | 12,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,158,125,000 | 1,173,270,000 | 1,169,986,000 | 1,225,285,000 |
| Interest-bearing deposits | 898,705,000 | 898,572,000 | 887,928,000 | 940,851,000 |
| Noninterest-bearing deposits | 259,420,000 | 274,698,000 | 282,058,000 | 284,434,000 |
| Equity capital | 96,615,000 | 102,438,000 | 125,246,000 | 129,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,081,000 | 20,281,000 | 31,540,000 | 42,311,000 |
| Interest expense | 1,799,000 | 3,511,000 | 4,838,000 | 5,998,000 |
| Net interest income | 8,282,000 | 16,770,000 | 26,702,000 | 36,313,000 |
| Noninterest income | 5,931,000 | 9,830,000 | 12,970,000 | 18,373,000 |
| Noninterest expense | 8,921,000 | 17,862,000 | 27,780,000 | 38,360,000 |
| Provision for loan losses | 263,000 | 575,000 | 785,000 | 1,191,000 |
| Pretax income | 5,019,000 | 8,153,000 | 11,116,000 | 15,165,000 |
| Income tax | 1,278,000 | 2,014,000 | 2,702,000 | 2,934,000 |
| Net income | 3,741,000 | 6,139,000 | 8,414,000 | 12,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,561,000 | 105,959,000 | 130,734,000 | 134,551,000 |
| Total capital | 110,855,000 | 113,559,000 | 138,583,000 | 142,808,000 |
| Risk-weighted assets | 845,724,000 | 901,097,000 | 967,924,000 | 1,032,044,000 |