Call reports 2007
WELLS RIVER SAVINGS BANK — 2007
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 114,114,000 | 118,325,000 | 121,093,000 | 125,600,000 |
| Total loans | 68,377,000 | 72,887,000 | 75,539,000 | 77,201,000 |
| Allowance for loan losses | 1,062,000 | 1,079,000 | 1,041,000 | 1,058,000 |
| Securities available for sale | 31,865,000 | 31,141,000 | 31,362,000 | 32,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,310,000 | 98,895,000 | 98,373,000 | 95,538,000 |
| Interest-bearing deposits | 81,233,000 | 82,670,000 | 81,893,000 | 80,763,000 |
| Noninterest-bearing deposits | 14,077,000 | 16,225,000 | 16,480,000 | 14,775,000 |
| Equity capital | 15,187,000 | 14,948,000 | 15,185,000 | 15,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,495,000 | 5,378,000 | 7,280,000 |
| Interest expense | 502,000 | 1,053,000 | 1,646,000 | 2,304,000 |
| Net interest income | 1,214,000 | 2,442,000 | 3,732,000 | 4,976,000 |
| Noninterest income | 151,000 | 286,000 | 444,000 | 705,000 |
| Noninterest expense | 1,318,000 | 2,590,000 | 4,022,000 | 5,510,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 32,000 | 108,000 | 109,000 | 108,000 |
| Income tax | 0 | 0 | -6,000 | -241,000 |
| Net income | 32,000 | 108,000 | 115,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,932,000 | 15,007,000 | 15,014,000 | 15,249,000 |
| Total capital | 15,878,000 | 16,000,000 | 16,049,000 | 16,287,000 |
| Risk-weighted assets | 75,525,000 | 79,366,000 | 82,812,000 | 83,030,000 |