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Bank of Fall River, A Co-operative Bank

Fall River, MA · Cert 26551

FDIC

Q4 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Fall River, A Co-operative Bank

Fall River, MA · Cert 26551

FDIC

Q4 2010

$163.9MAssets
$104.2MLoans
$143.0MDeposits
$13.1MEquity
Loan mix
95%RE $89.3M5%C&I $4.5M0%Consumer $0.0MQ4 2009Q4 2010
Deposit mix
90%Interest-bearing $128.0M10%Noninterest $15.0MQ4 2009Q4 2010

NIM

5.72%Q4 ’085.01%Q4 ’094.58%Q4 ’10-9%-3%

Non-interest income vs. expense

3.80%Q4 ’083.46%Q4 ’093.52%Q4 ’10-8%+2%

Executive Summary

  • Earnings: ROA of 0.12%, down 16 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 72.85% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.12%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-11 bps YoY

Efficiency Ratio (YTD, annualized)

95.16%+466 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.28%0.33%0.38%0.33%0.12%-16 bps
Return on Equity3.21%4.12%4.70%4.10%1.54%-167 bps
Net Interest Margin3.46%3.71%3.51%3.45%3.34%-11 bps
Efficiency Ratio90.50%85.01%84.47%85.79%95.16%+466 bps
Non-Interest Burden3.09%3.11%2.92%2.91%3.16%+7 bps
Growth
Asset Growth (YoY)10.21%15.89%11.64%5.22%5.37%-485 bps
Loan Growth (YoY)11.50%9.69%8.07%3.17%0.02%-1,148 bps
Deposit Growth (YoY)14.19%17.80%13.20%5.91%7.45%-673 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.37%-0.05%0.09%0.08%0.04%-32 bps
Allowance / Loans1.83%1.83%1.74%1.71%1.79%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.11%14.57%14.73%15.02%15.43%+131 bps
Equity / Assets8.08%7.88%8.06%8.14%7.97%-11 bps
Liquidity & Funding
Loans / Deposits78.26%74.24%75.44%75.27%72.85%-542 bps
Liquid Assets / Assets2.01%7.79%9.19%12.13%10.58%+857 bps
CRE / Total Capitaln/an/an/an/an/an/an/a