Call reports 2007
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2007
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 143,064,000 | 144,484,000 | 132,202,000 | 128,803,000 |
| Total loans | 85,728,000 | 83,845,000 | 85,356,000 | 86,825,000 |
| Allowance for loan losses | 2,370,000 | 2,338,000 | 2,327,000 | 2,330,000 |
| Securities available for sale | 26,411,000 | 26,050,000 | 26,615,000 | 27,636,000 |
| Securities held to maturity | 6,323,000 | 4,137,000 | 3,952,000 | 2,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,172,000 | 130,611,000 | 118,034,000 | 114,538,000 |
| Interest-bearing deposits | 106,604,000 | 102,632,000 | 101,059,000 | 99,200,000 |
| Noninterest-bearing deposits | 22,568,000 | 27,979,000 | 16,975,000 | 15,338,000 |
| Equity capital | 13,215,000 | 13,226,000 | 13,440,000 | 13,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,089,000 | 4,285,000 | 6,412,000 | 8,449,000 |
| Interest expense | 826,000 | 1,676,000 | 2,520,000 | 3,353,000 |
| Net interest income | 1,263,000 | 2,609,000 | 3,892,000 | 5,096,000 |
| Noninterest income | 178,000 | 350,000 | 517,000 | 701,000 |
| Noninterest expense | 1,330,000 | 2,668,000 | 3,953,000 | 5,091,000 |
| Provision for loan losses | -2,000 | -41,000 | -52,000 | -36,000 |
| Pretax income | 113,000 | 332,000 | 508,000 | 742,000 |
| Income tax | 39,000 | 120,000 | 182,000 | 242,000 |
| Net income | 74,000 | 212,000 | 326,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,123,000 | 13,262,000 | 13,384,000 | 13,518,000 |
| Total capital | 14,215,000 | 14,340,000 | 14,439,000 | 14,576,000 |
| Risk-weighted assets | 86,052,000 | 84,874,000 | 82,999,000 | 83,289,000 |