Call reports 2001
WELLS RIVER SAVINGS BANK — 2001
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 97,871,000 | 101,781,000 | 109,806,000 | 106,911,000 |
| Total loans | 68,927,000 | 70,566,000 | 70,314,000 | 69,487,000 |
| Allowance for loan losses | 906,000 | 881,000 | 877,000 | 844,000 |
| Securities available for sale | 19,220,000 | 19,568,000 | 20,937,000 | 23,909,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,500,000 | 85,106,000 | 92,789,000 | 90,145,000 |
| Interest-bearing deposits | 73,156,000 | 74,869,000 | 81,865,000 | 79,871,000 |
| Noninterest-bearing deposits | 9,344,000 | 10,237,000 | 10,924,000 | 10,274,000 |
| Equity capital | 10,093,000 | 10,316,000 | 10,669,000 | 10,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,869,000 | 3,767,000 | 5,642,000 | 7,513,000 |
| Interest expense | 903,000 | 1,743,000 | 2,540,000 | 3,303,000 |
| Net interest income | 966,000 | 2,024,000 | 3,102,000 | 4,210,000 |
| Noninterest income | 110,000 | 247,000 | 395,000 | 576,000 |
| Noninterest expense | 845,000 | 1,773,000 | 2,703,000 | 3,888,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 305,000 | 572,000 | 868,000 | 972,000 |
| Income tax | 47,000 | 112,000 | 180,000 | 236,000 |
| Net income | 258,000 | 460,000 | 688,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,720,000 | 9,923,000 | 10,151,000 | 10,199,000 |
| Total capital | 10,465,000 | 10,726,000 | 10,946,000 | 10,995,000 |
| Risk-weighted assets | 59,846,000 | 64,178,000 | 63,695,000 | 63,731,000 |