Call reports 2025
FALL RIVER FIVE CENTS SAVINGS BANK — 2025
What FALL RIVER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,886,107,000 | 1,875,014,000 | 1,879,805,000 | 1,889,460,000 |
| Total loans | 1,451,391,000 | 1,478,777,000 | 1,469,738,000 | 1,455,042,000 |
| Allowance for loan losses | 9,169,000 | 9,391,000 | 8,927,000 | 9,782,000 |
| Securities available for sale | 246,532,000 | 244,085,000 | 237,688,000 | 250,830,000 |
| Securities held to maturity | 16,407,000 | 16,294,000 | 16,200,000 | 16,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,361,369,000 | 1,347,576,000 | 1,352,902,000 | 1,362,906,000 |
| Interest-bearing deposits | 1,114,637,000 | 1,093,517,000 | 1,096,463,000 | 1,111,014,000 |
| Noninterest-bearing deposits | 246,732,000 | 254,059,000 | 256,439,000 | 251,892,000 |
| Equity capital | 124,698,000 | 128,337,000 | 133,520,000 | 134,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,105,000 | 40,937,000 | 61,754,000 | 82,967,000 |
| Interest expense | 11,142,000 | 21,985,000 | 32,738,000 | 43,288,000 |
| Net interest income | 8,963,000 | 18,952,000 | 29,016,000 | 39,679,000 |
| Noninterest income | 2,338,000 | 6,665,000 | 9,720,000 | 13,061,000 |
| Noninterest expense | 10,934,000 | 22,127,000 | 33,488,000 | 44,413,000 |
| Provision for loan losses | 668,000 | 468,000 | 7,000 | 1,084,000 |
| Pretax income | -334,000 | 3,355,000 | 5,504,000 | 6,997,000 |
| Income tax | -35,000 | 741,000 | 1,182,000 | 1,293,000 |
| Net income | -299,000 | 2,614,000 | 4,322,000 | 5,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,112,000 | 158,024,000 | 159,732,000 | 159,914,000 |
| Total capital | 164,969,000 | 168,162,000 | 169,432,000 | 170,595,000 |
| Risk-weighted assets | 1,418,009,000 | 1,463,531,000 | 1,438,100,000 | 1,408,236,000 |