Call reports 2022
FALL RIVER FIVE CENTS SAVINGS BANK — 2022
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,439,035,000 | 1,617,358,000 | 1,685,137,000 | 1,705,192,000 |
| Total loans | 1,089,518,000 | 1,261,227,000 | 1,318,382,000 | 1,345,789,000 |
| Allowance for loan losses | 8,586,000 | 9,647,000 | 9,975,000 | 10,181,000 |
| Securities available for sale | 241,838,000 | 240,156,000 | 232,994,000 | 233,211,000 |
| Securities held to maturity | 13,016,000 | 13,589,000 | 14,441,000 | 18,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,246,929,000 | 1,269,443,000 | 1,271,980,000 | 1,322,199,000 |
| Interest-bearing deposits | 968,288,000 | 980,719,000 | 980,111,000 | 1,049,872,000 |
| Noninterest-bearing deposits | 278,641,000 | 288,724,000 | 291,869,000 | 272,327,000 |
| Equity capital | 113,892,000 | 105,919,000 | 96,287,000 | 107,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,204,000 | 23,299,000 | 37,316,000 | 52,835,000 |
| Interest expense | 1,072,000 | 2,456,000 | 5,151,000 | 9,359,000 |
| Net interest income | 10,132,000 | 20,843,000 | 32,165,000 | 43,476,000 |
| Noninterest income | 2,472,000 | 4,663,000 | 6,442,000 | 7,914,000 |
| Noninterest expense | 10,360,000 | 18,109,000 | 29,200,000 | 39,366,000 |
| Provision for loan losses | 332,000 | 1,386,000 | 1,712,000 | 1,928,000 |
| Pretax income | 1,912,000 | 6,011,000 | 7,695,000 | 16,202,000 |
| Income tax | 377,000 | 1,391,000 | 1,711,000 | 3,986,000 |
| Net income | 1,535,000 | 4,620,000 | 5,984,000 | 12,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,086,000 | 139,171,000 | 142,505,000 | 146,768,000 |
| Total capital | 144,671,000 | 148,818,000 | 152,480,000 | 156,948,000 |
| Risk-weighted assets | 1,045,693,000 | 1,170,707,000 | 1,236,230,000 | 1,243,646,000 |