Call reports 2004
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2004
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 134,233,000 | 140,166,000 | 147,719,000 | 150,691,000 |
| Total loans | 102,730,000 | 107,643,000 | 113,035,000 | 123,047,000 |
| Allowance for loan losses | 1,702,000 | 1,727,000 | 1,758,000 | 2,478,000 |
| Securities available for sale | 5,917,000 | 5,959,000 | 10,276,000 | 7,592,000 |
| Securities held to maturity | 8,783,000 | 9,622,000 | 11,414,000 | 10,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,264,000 | 119,238,000 | 126,723,000 | 127,307,000 |
| Interest-bearing deposits | 94,259,000 | 96,308,000 | 102,396,000 | 106,844,000 |
| Noninterest-bearing deposits | 19,005,000 | 22,930,000 | 24,327,000 | 20,463,000 |
| Equity capital | 11,232,000 | 11,413,000 | 11,673,000 | 11,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,558,000 | 5,455,000 | 7,510,000 |
| Interest expense | 477,000 | 955,000 | 1,500,000 | 2,075,000 |
| Net interest income | 1,263,000 | 2,603,000 | 3,955,000 | 5,435,000 |
| Noninterest income | 164,000 | 345,000 | 580,000 | 747,000 |
| Noninterest expense | 1,129,000 | 2,282,000 | 3,407,000 | 4,319,000 |
| Provision for loan losses | 38,000 | 68,000 | 105,000 | 843,000 |
| Pretax income | 260,000 | 598,000 | 1,023,000 | 1,020,000 |
| Income tax | 103,000 | 237,000 | 406,000 | 328,000 |
| Net income | 157,000 | 361,000 | 617,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,227,000 | 11,396,000 | 11,654,000 | 11,740,000 |
| Total capital | 12,450,000 | 12,698,000 | 13,049,000 | 13,208,000 |
| Risk-weighted assets | 97,375,000 | 103,704,000 | 111,214,000 | 116,411,000 |