Call reports 2001
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2001
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 110,680,000 | 117,721,000 | 121,390,000 | 120,490,000 |
| Total loans | 92,061,000 | 94,427,000 | 97,363,000 | 97,731,000 |
| Allowance for loan losses | 1,103,000 | 1,183,000 | 1,248,000 | 1,300,000 |
| Securities available for sale | 3,171,000 | 5,968,000 | 6,207,000 | 6,561,000 |
| Securities held to maturity | 1,800,000 | 4,686,000 | 5,685,000 | 7,685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,283,000 | 100,091,000 | 100,588,000 | 99,351,000 |
| Interest-bearing deposits | 79,758,000 | 84,437,000 | 84,521,000 | 83,462,000 |
| Noninterest-bearing deposits | 13,525,000 | 15,654,000 | 16,067,000 | 15,889,000 |
| Equity capital | 8,446,000 | 8,651,000 | 8,883,000 | 9,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,159,000 | 4,379,000 | 6,568,000 | 8,714,000 |
| Interest expense | 976,000 | 1,993,000 | 2,940,000 | 3,810,000 |
| Net interest income | 1,183,000 | 2,386,000 | 3,628,000 | 4,904,000 |
| Noninterest income | 137,000 | 297,000 | 461,000 | 677,000 |
| Noninterest expense | 887,000 | 1,847,000 | 2,786,000 | 3,710,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 358,000 | 686,000 | 1,078,000 | 1,571,000 |
| Income tax | 144,000 | 267,000 | 422,000 | 609,000 |
| Net income | 214,000 | 419,000 | 656,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,446,000 | 8,647,000 | 8,877,000 | 9,187,000 |
| Total capital | 9,447,000 | 9,656,000 | 9,922,000 | 10,277,000 |
| Risk-weighted assets | 79,738,000 | 80,571,000 | 83,395,000 | 86,962,000 |