Call reports 2008
WELLS RIVER SAVINGS BANK — 2008
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,853,000 | 133,347,000 | 134,501,000 | 135,835,000 |
| Total loans | 79,827,000 | 84,181,000 | 88,093,000 | 89,304,000 |
| Allowance for loan losses | 1,049,000 | 1,118,000 | 1,058,000 | 924,000 |
| Securities available for sale | 33,906,000 | 31,848,000 | 30,303,000 | 30,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,993,000 | 101,744,000 | 108,542,000 | 109,577,000 |
| Interest-bearing deposits | 81,997,000 | 86,730,000 | 92,993,000 | 92,744,000 |
| Noninterest-bearing deposits | 13,996,000 | 15,014,000 | 15,549,000 | 16,833,000 |
| Equity capital | 15,842,000 | 15,095,000 | 14,885,000 | 15,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 3,919,000 | 5,940,000 | 7,966,000 |
| Interest expense | 681,000 | 1,327,000 | 1,929,000 | 2,479,000 |
| Net interest income | 1,253,000 | 2,592,000 | 4,011,000 | 5,487,000 |
| Noninterest income | 173,000 | 386,000 | 590,000 | 677,000 |
| Noninterest expense | 1,498,000 | 2,887,000 | 4,439,000 | 5,581,000 |
| Provision for loan losses | 0 | 0 | 18,000 | 60,000 |
| Pretax income | -72,000 | 137,000 | 190,000 | 569,000 |
| Income tax | 0 | 0 | -8,000 | 67,000 |
| Net income | -72,000 | 137,000 | 198,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,177,000 | 15,386,000 | 15,448,000 | 15,831,000 |
| Total capital | 16,226,000 | 16,473,000 | 16,506,000 | 16,755,000 |
| Risk-weighted assets | 84,097,000 | 86,882,000 | 90,213,000 | 90,004,000 |