Call reports 2002
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2002
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 118,908,000 | 130,411,000 | 130,442,000 | 129,077,000 |
| Total loans | 95,711,000 | 98,633,000 | 99,484,000 | 100,011,000 |
| Allowance for loan losses | 1,371,000 | 1,439,000 | 1,599,000 | 1,648,000 |
| Securities available for sale | 3,968,000 | 9,430,000 | 9,493,000 | 10,527,000 |
| Securities held to maturity | 6,685,000 | 6,000,000 | 6,925,000 | 5,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,503,000 | 105,704,000 | 105,689,000 | 104,219,000 |
| Interest-bearing deposits | 84,451,000 | 87,232,000 | 87,998,000 | 86,965,000 |
| Noninterest-bearing deposits | 16,052,000 | 18,472,000 | 17,691,000 | 17,254,000 |
| Equity capital | 9,429,000 | 9,722,000 | 10,008,000 | 10,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,082,000 | 6,142,000 | 8,137,000 |
| Interest expense | 703,000 | 1,390,000 | 2,104,000 | 2,765,000 |
| Net interest income | 1,347,000 | 2,692,000 | 4,038,000 | 5,372,000 |
| Noninterest income | 161,000 | 337,000 | 513,000 | 720,000 |
| Noninterest expense | 1,075,000 | 2,070,000 | 3,068,000 | 4,094,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 358,000 | 809,000 | 1,258,000 | 1,698,000 |
| Income tax | 123,000 | 276,000 | 430,000 | 582,000 |
| Net income | 235,000 | 533,000 | 828,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,426,000 | 9,718,000 | 10,006,000 | 10,289,000 |
| Total capital | 10,454,000 | 10,859,000 | 11,156,000 | 11,541,000 |
| Risk-weighted assets | 81,902,000 | 91,018,000 | 91,560,000 | 99,800,000 |