Call reports 2006
WELLS RIVER SAVINGS BANK — 2006
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,053,000 | 114,118,000 | 112,876,000 | 113,213,000 |
| Total loans | 64,494,000 | 66,764,000 | 66,405,000 | 67,463,000 |
| Allowance for loan losses | 971,000 | 1,005,000 | 1,019,000 | 1,009,000 |
| Securities available for sale | 33,963,000 | 34,795,000 | 33,163,000 | 33,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,178,000 | 91,247,000 | 92,693,000 | 95,388,000 |
| Interest-bearing deposits | 77,936,000 | 76,338,000 | 78,025,000 | 81,661,000 |
| Noninterest-bearing deposits | 14,242,000 | 14,909,000 | 14,668,000 | 13,727,000 |
| Equity capital | 14,266,000 | 14,240,000 | 14,913,000 | 15,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,635,000 | 3,361,000 | 5,132,000 | 6,932,000 |
| Interest expense | 323,000 | 720,000 | 1,170,000 | 1,663,000 |
| Net interest income | 1,312,000 | 2,641,000 | 3,962,000 | 5,269,000 |
| Noninterest income | 167,000 | 327,000 | 484,000 | 735,000 |
| Noninterest expense | 1,203,000 | 2,288,000 | 3,518,000 | 5,055,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 120,000 |
| Pretax income | 246,000 | 612,000 | 845,000 | 821,000 |
| Income tax | 50,000 | 127,000 | 180,000 | -109,000 |
| Net income | 196,000 | 485,000 | 665,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,165,000 | 14,455,000 | 14,634,000 | 14,900,000 |
| Total capital | 15,031,000 | 15,358,000 | 15,534,000 | 15,817,000 |
| Risk-weighted assets | 69,358,000 | 72,144,000 | 71,957,000 | 73,399,000 |