Call reports 2009
WELLS RIVER SAVINGS BANK — 2009
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 135,146,000 | 137,476,000 | 140,263,000 | 145,665,000 |
| Total loans | 91,264,000 | 95,481,000 | 99,136,000 | 101,016,000 |
| Allowance for loan losses | 878,000 | 895,000 | 880,000 | 761,000 |
| Securities available for sale | 28,653,000 | 26,283,000 | 25,575,000 | 27,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,917,000 | 114,982,000 | 119,392,000 | 119,851,000 |
| Interest-bearing deposits | 98,406,000 | 98,223,000 | 101,863,000 | 102,214,000 |
| Noninterest-bearing deposits | 15,511,000 | 16,759,000 | 17,529,000 | 17,637,000 |
| Equity capital | 15,231,000 | 15,097,000 | 15,792,000 | 15,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,939,000 | 3,930,000 | 5,811,000 | 7,786,000 |
| Interest expense | 520,000 | 1,023,000 | 1,443,000 | 1,863,000 |
| Net interest income | 1,419,000 | 2,907,000 | 4,368,000 | 5,923,000 |
| Noninterest income | 181,000 | 400,000 | 662,000 | 924,000 |
| Noninterest expense | 1,548,000 | 3,042,000 | 4,649,000 | 6,382,000 |
| Provision for loan losses | 22,000 | 45,000 | 120,000 | 200,000 |
| Pretax income | 30,000 | 220,000 | 444,000 | 134,000 |
| Income tax | 0 | 0 | 3,000 | -206,000 |
| Net income | 30,000 | 220,000 | 441,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,861,000 | 16,051,000 | 16,272,000 | 16,171,000 |
| Total capital | 16,739,000 | 16,946,000 | 17,152,000 | 16,932,000 |
| Risk-weighted assets | 94,550,000 | 94,551,000 | 96,159,000 | 97,494,000 |