Call reports 2011
WELLS RIVER SAVINGS BANK — 2011
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 156,767,000 | 157,054,000 | 162,377,000 | 154,659,000 |
| Total loans | 105,423,000 | 105,744,000 | 103,989,000 | 102,680,000 |
| Allowance for loan losses | 1,019,000 | 1,029,000 | 1,020,000 | 918,000 |
| Securities available for sale | 30,313,000 | 31,473,000 | 32,679,000 | 32,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,907,000 | 133,867,000 | 139,143,000 | 135,474,000 |
| Interest-bearing deposits | 113,764,000 | 114,833,000 | 118,398,000 | 115,925,000 |
| Noninterest-bearing deposits | 18,143,000 | 19,034,000 | 20,745,000 | 19,549,000 |
| Equity capital | 16,997,000 | 17,232,000 | 17,318,000 | 17,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,896,000 | 3,850,000 | 5,754,000 | 7,560,000 |
| Interest expense | 369,000 | 730,000 | 1,072,000 | 1,368,000 |
| Net interest income | 1,527,000 | 3,120,000 | 4,682,000 | 6,192,000 |
| Noninterest income | 228,000 | 458,000 | 705,000 | 992,000 |
| Noninterest expense | 1,519,000 | 3,058,000 | 4,635,000 | 6,143,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 116,000 | 298,000 | 410,000 | 581,000 |
| Income tax | 12,000 | 59,000 | 74,000 | 57,000 |
| Net income | 104,000 | 239,000 | 336,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,888,000 | 17,043,000 | 17,140,000 | 17,309,000 |
| Total capital | 17,907,000 | 18,072,000 | 18,160,000 | 18,227,000 |
| Risk-weighted assets | 99,254,000 | 98,122,000 | 97,148,000 | 93,947,000 |