Call reports 2010
WELLS RIVER SAVINGS BANK — 2010
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 148,052,000 | 151,032,000 | 157,228,000 | 152,110,000 |
| Total loans | 101,688,000 | 104,363,000 | 105,942,000 | 105,086,000 |
| Allowance for loan losses | 800,000 | 866,000 | 887,000 | 910,000 |
| Securities available for sale | 26,597,000 | 25,188,000 | 30,093,000 | 27,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,115,000 | 123,698,000 | 129,565,000 | 127,240,000 |
| Interest-bearing deposits | 103,758,000 | 106,354,000 | 110,497,000 | 110,045,000 |
| Noninterest-bearing deposits | 17,357,000 | 17,344,000 | 19,068,000 | 17,195,000 |
| Equity capital | 16,058,000 | 16,410,000 | 16,803,000 | 16,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,917,000 | 3,864,000 | 5,848,000 | 7,825,000 |
| Interest expense | 389,000 | 772,000 | 1,189,000 | 1,589,000 |
| Net interest income | 1,528,000 | 3,092,000 | 4,659,000 | 6,236,000 |
| Noninterest income | 217,000 | 448,000 | 676,000 | 836,000 |
| Noninterest expense | 1,480,000 | 2,964,000 | 4,492,000 | 6,176,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 | 360,000 |
| Pretax income | 190,000 | 584,000 | 806,000 | 703,000 |
| Income tax | 19,000 | 60,000 | 90,000 | 90,000 |
| Net income | 171,000 | 524,000 | 716,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,342,000 | 16,695,000 | 16,887,000 | 16,784,000 |
| Total capital | 17,142,000 | 17,561,000 | 17,774,000 | 17,694,000 |
| Risk-weighted assets | 98,428,000 | 100,025,000 | 101,324,000 | 98,775,000 |