Call reports 2005
WELLS RIVER SAVINGS BANK — 2005
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,583,000 | 113,513,000 | 113,204,000 | 109,283,000 |
| Total loans | 63,394,000 | 65,226,000 | 64,146,000 | 63,728,000 |
| Allowance for loan losses | 897,000 | 906,000 | 926,000 | 948,000 |
| Securities available for sale | 36,507,000 | 37,545,000 | 33,442,000 | 34,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,109,000 | 91,964,000 | 97,452,000 | 93,562,000 |
| Interest-bearing deposits | 80,886,000 | 78,211,000 | 81,541,000 | 78,603,000 |
| Noninterest-bearing deposits | 12,223,000 | 13,753,000 | 15,911,000 | 14,959,000 |
| Equity capital | 13,536,000 | 14,077,000 | 14,013,000 | 14,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 3,069,000 | 4,675,000 | 6,337,000 |
| Interest expense | 240,000 | 489,000 | 790,000 | 1,092,000 |
| Net interest income | 1,256,000 | 2,580,000 | 3,885,000 | 5,245,000 |
| Noninterest income | 148,000 | 320,000 | 492,000 | 776,000 |
| Noninterest expense | 1,056,000 | 2,162,000 | 3,293,000 | 4,508,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 518,000 | 893,000 | 1,288,000 | 1,687,000 |
| Income tax | 90,000 | 200,000 | 315,000 | 397,000 |
| Net income | 428,000 | 693,000 | 973,000 | 1,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,107,000 | 13,372,000 | 13,652,000 | 13,969,000 |
| Total capital | 13,925,000 | 14,220,000 | 14,469,000 | 14,814,000 |
| Risk-weighted assets | 65,376,000 | 67,777,000 | 67,098,000 | 67,513,000 |