Call reports 2012
WELLS RIVER SAVINGS BANK — 2012
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 155,502,000 | 157,179,000 | 155,892,000 | 149,950,000 |
| Total loans | 101,218,000 | 100,741,000 | 100,019,000 | 101,488,000 |
| Allowance for loan losses | 902,000 | 910,000 | 1,009,000 | 926,000 |
| Securities available for sale | 30,152,000 | 29,147,000 | 32,160,000 | 28,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,994,000 | 138,115,000 | 136,265,000 | 130,058,000 |
| Interest-bearing deposits | 116,532,000 | 117,648,000 | 115,231,000 | 109,819,000 |
| Noninterest-bearing deposits | 19,462,000 | 20,467,000 | 21,034,000 | 20,239,000 |
| Equity capital | 17,671,000 | 17,765,000 | 18,253,000 | 18,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,471,000 | 5,199,000 | 6,902,000 |
| Interest expense | 265,000 | 498,000 | 721,000 | 895,000 |
| Net interest income | 1,462,000 | 2,973,000 | 4,478,000 | 6,007,000 |
| Noninterest income | 244,000 | 516,000 | 773,000 | 1,029,000 |
| Noninterest expense | 1,514,000 | 3,048,000 | 4,612,000 | 6,306,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 72,000 | 201,000 | 279,000 | 550,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | 72,000 | 202,000 | 280,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,389,000 | 17,511,000 | 17,588,000 | 17,859,000 |
| Total capital | 18,291,000 | 18,421,000 | 18,597,000 | 18,785,000 |
| Risk-weighted assets | 92,570,000 | 91,682,000 | 90,727,000 | 91,305,000 |