Call reports 2005
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2005
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 152,882,000 | 150,977,000 | 146,683,000 | 147,732,000 |
| Total loans | 122,180,000 | 114,812,000 | 109,830,000 | 103,127,000 |
| Allowance for loan losses | 2,547,000 | 2,613,000 | 2,674,000 | 2,325,000 |
| Securities available for sale | 7,589,000 | 9,523,000 | 5,679,000 | 9,546,000 |
| Securities held to maturity | 10,027,000 | 13,806,000 | 15,059,000 | 13,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,505,000 | 133,347,000 | 128,680,000 | 129,575,000 |
| Interest-bearing deposits | 113,178,000 | 107,619,000 | 108,043,000 | 109,912,000 |
| Noninterest-bearing deposits | 19,327,000 | 25,728,000 | 20,637,000 | 19,663,000 |
| Equity capital | 11,969,000 | 12,158,000 | 12,349,000 | 12,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,152,000 | 4,313,000 | 6,448,000 | 8,590,000 |
| Interest expense | 603,000 | 1,229,000 | 1,873,000 | 2,561,000 |
| Net interest income | 1,549,000 | 3,084,000 | 4,575,000 | 6,029,000 |
| Noninterest income | 157,000 | 345,000 | 522,000 | 695,000 |
| Noninterest expense | 1,262,000 | 2,594,000 | 3,879,000 | 5,068,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 392,000 |
| Pretax income | 369,000 | 685,000 | 993,000 | 1,264,000 |
| Income tax | 146,000 | 270,000 | 390,000 | 500,000 |
| Net income | 223,000 | 415,000 | 603,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,950,000 | 12,137,000 | 12,330,000 | 12,513,000 |
| Total capital | 13,411,000 | 13,557,000 | 13,657,000 | 13,783,000 |
| Risk-weighted assets | 115,821,000 | 112,422,000 | 104,832,000 | 100,568,000 |