Call reports 2009
BANK OF FALL RIVER, A CO-OPERATIVE BANK — 2009
What BANK OF FALL RIVER, A CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,580,000 | 146,264,000 | 156,419,000 | 155,562,000 |
| Total loans | 95,885,000 | 98,958,000 | 104,285,000 | 104,162,000 |
| Allowance for loan losses | 2,159,000 | 2,095,000 | 1,939,000 | 1,907,000 |
| Securities available for sale | 35,684,000 | 36,874,000 | 37,833,000 | 42,520,000 |
| Securities held to maturity | 2,011,000 | 1,775,000 | 1,601,000 | 1,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,267,000 | 125,233,000 | 134,963,000 | 133,089,000 |
| Interest-bearing deposits | 104,726,000 | 109,672,000 | 121,077,000 | 118,977,000 |
| Noninterest-bearing deposits | 15,541,000 | 15,561,000 | 13,886,000 | 14,112,000 |
| Equity capital | 13,034,000 | 13,213,000 | 13,529,000 | 12,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,966,000 | 3,901,000 | 5,880,000 | 7,916,000 |
| Interest expense | 578,000 | 1,196,000 | 1,841,000 | 2,450,000 |
| Net interest income | 1,388,000 | 2,705,000 | 4,039,000 | 5,466,000 |
| Noninterest income | 135,000 | 280,000 | 442,000 | 579,000 |
| Noninterest expense | 1,444,000 | 2,831,000 | 4,180,000 | 5,471,000 |
| Provision for loan losses | -9,000 | -12,000 | -15,000 | -19,000 |
| Pretax income | 88,000 | 166,000 | 286,000 | 535,000 |
| Income tax | 13,000 | 23,000 | 61,000 | 116,000 |
| Net income | 75,000 | 143,000 | 225,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,708,000 | 12,786,000 | 12,946,000 | 12,209,000 |
| Total capital | 13,831,000 | 13,939,000 | 14,141,000 | 13,406,000 |
| Risk-weighted assets | 88,734,000 | 91,215,000 | 94,796,000 | 94,984,000 |