Call reports 2023
FALL RIVER FIVE CENTS SAVINGS BANK — 2023
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,729,179,000 | 1,779,053,000 | 1,795,373,000 | 1,809,208,000 |
| Total loans | 1,364,402,000 | 1,387,135,000 | 1,401,249,000 | 1,430,525,000 |
| Allowance for loan losses | 8,554,000 | 8,696,000 | 8,824,000 | 8,623,000 |
| Securities available for sale | 230,376,000 | 225,080,000 | 211,646,000 | 230,125,000 |
| Securities held to maturity | 17,885,000 | 17,761,000 | 17,641,000 | 17,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,308,028,000 | 1,291,920,000 | 1,307,900,000 | 1,313,917,000 |
| Interest-bearing deposits | 1,040,240,000 | 1,030,448,000 | 1,048,655,000 | 1,062,544,000 |
| Noninterest-bearing deposits | 267,788,000 | 261,472,000 | 259,245,000 | 251,373,000 |
| Equity capital | 110,128,000 | 113,498,000 | 110,757,000 | 119,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 16,135,000 | 33,507,000 | 51,736,000 | 71,138,000 |
| Interest expense | 5,809,000 | 13,009,000 | 21,732,000 | 31,733,000 |
| Net interest income | 10,326,000 | 20,498,000 | 30,004,000 | 39,405,000 |
| Noninterest income | 1,962,000 | 6,122,000 | 8,257,000 | 10,464,000 |
| Noninterest expense | 10,978,000 | 22,058,000 | 32,234,000 | 41,652,000 |
| Provision for loan losses | 129,000 | 264,000 | 409,000 | 218,000 |
| Pretax income | 1,119,000 | 4,236,000 | 5,556,000 | 7,937,000 |
| Income tax | 281,000 | 973,000 | -260,000 | 1,867,000 |
| Net income | 838,000 | 3,263,000 | 5,816,000 | 6,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,311,000 | 150,737,000 | 153,290,000 | 153,544,000 |
| Total capital | 156,865,000 | 159,433,000 | 162,114,000 | 162,168,000 |
| Risk-weighted assets | 1,248,771,000 | 1,282,422,000 | 1,330,124,000 | 1,337,548,000 |