Call reports 2008
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2008
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 137,130,000 | 138,484,000 | 133,134,000 | 141,146,000 |
| Total loans | 88,492,000 | 87,609,000 | 90,928,000 | 93,419,000 |
| Allowance for loan losses | 2,328,000 | 2,325,000 | 2,322,000 | 2,307,000 |
| Securities available for sale | 29,995,000 | 31,482,000 | 32,189,000 | 38,124,000 |
| Securities held to maturity | 2,644,000 | 2,463,000 | 2,309,000 | 2,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,763,000 | 124,569,000 | 119,503,000 | 116,555,000 |
| Interest-bearing deposits | 104,604,000 | 102,569,000 | 101,665,000 | 101,548,000 |
| Noninterest-bearing deposits | 18,159,000 | 22,000,000 | 17,838,000 | 15,007,000 |
| Equity capital | 13,733,000 | 13,430,000 | 13,037,000 | 12,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,888,000 | 5,808,000 | 7,741,000 |
| Interest expense | 787,000 | 1,475,000 | 2,052,000 | 2,621,000 |
| Net interest income | 1,134,000 | 2,413,000 | 3,756,000 | 5,120,000 |
| Noninterest income | 149,000 | 294,000 | 443,000 | 586,000 |
| Noninterest expense | 1,296,000 | 2,591,000 | 3,869,000 | 5,150,000 |
| Provision for loan losses | 0 | 1,000 | -2,000 | 26,000 |
| Pretax income | -13,000 | 211,000 | 428,000 | -1,185,000 |
| Income tax | -26,000 | 45,000 | 112,000 | -437,000 |
| Net income | 13,000 | 166,000 | 316,000 | -748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,428,000 | 13,119,000 | 12,649,000 | 12,845,000 |
| Total capital | 14,514,000 | 14,194,000 | 13,751,000 | 13,960,000 |
| Risk-weighted assets | 85,556,000 | 84,633,000 | 86,855,000 | 87,966,000 |