Call reports 2004
WELLS RIVER SAVINGS BANK — 2004
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,512,000 | 112,749,000 | 112,481,000 | 114,042,000 |
| Total loans | 63,433,000 | 64,253,000 | 63,791,000 | 63,151,000 |
| Allowance for loan losses | 837,000 | 820,000 | 872,000 | 881,000 |
| Securities available for sale | 36,470,000 | 38,105,000 | 38,174,000 | 39,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,243,000 | 94,902,000 | 96,144,000 | 95,027,000 |
| Interest-bearing deposits | 81,890,000 | 81,624,000 | 82,404,000 | 81,140,000 |
| Noninterest-bearing deposits | 11,353,000 | 13,278,000 | 13,740,000 | 13,887,000 |
| Equity capital | 13,240,000 | 13,035,000 | 13,464,000 | 13,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,841,000 | 4,327,000 | 5,807,000 |
| Interest expense | 262,000 | 517,000 | 769,000 | 1,015,000 |
| Net interest income | 1,129,000 | 2,324,000 | 3,558,000 | 4,792,000 |
| Noninterest income | 196,000 | 347,000 | 502,000 | 793,000 |
| Noninterest expense | 995,000 | 2,129,000 | 3,182,000 | 4,440,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 315,000 | 530,000 | 851,000 | 1,103,000 |
| Income tax | 58,000 | 90,000 | 155,000 | 252,000 |
| Net income | 257,000 | 440,000 | 696,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,085,000 | 12,268,000 | 12,524,000 | 12,679,000 |
| Total capital | 12,898,000 | 13,073,000 | 13,337,000 | 13,496,000 |
| Risk-weighted assets | 65,054,000 | 64,219,000 | 65,027,000 | 65,126,000 |