Call reports 2006
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2006
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 146,374,000 | 145,417,000 | 133,352,000 | 134,023,000 |
| Total loans | 98,754,000 | 93,350,000 | 89,883,000 | 88,517,000 |
| Allowance for loan losses | 2,382,000 | 2,434,000 | 2,404,000 | 2,027,000 |
| Securities available for sale | 11,659,000 | 18,883,000 | 21,389,000 | 22,677,000 |
| Securities held to maturity | 13,577,000 | 12,363,000 | 12,164,000 | 8,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,204,000 | 132,183,000 | 119,671,000 | 120,202,000 |
| Interest-bearing deposits | 106,764,000 | 101,586,000 | 100,439,000 | 103,194,000 |
| Noninterest-bearing deposits | 21,440,000 | 30,597,000 | 19,232,000 | 17,008,000 |
| Equity capital | 12,599,000 | 12,689,000 | 12,995,000 | 13,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,124,000 | 4,322,000 | 6,471,000 | 8,528,000 |
| Interest expense | 705,000 | 1,437,000 | 2,145,000 | 2,928,000 |
| Net interest income | 1,419,000 | 2,885,000 | 4,326,000 | 5,600,000 |
| Noninterest income | 170,000 | 335,000 | 471,000 | 674,000 |
| Noninterest expense | 1,357,000 | 2,692,000 | 4,028,000 | 5,343,000 |
| Provision for loan losses | 75,000 | 125,000 | 98,000 | 48,000 |
| Pretax income | 157,000 | 403,000 | 671,000 | 883,000 |
| Income tax | 58,000 | 152,000 | 254,000 | 328,000 |
| Net income | 99,000 | 251,000 | 417,000 | 555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,572,000 | 12,718,000 | 12,908,000 | 13,042,000 |
| Total capital | 13,797,000 | 13,891,000 | 14,021,000 | 14,166,000 |
| Risk-weighted assets | 96,805,000 | 92,617,000 | 87,759,000 | 88,990,000 |