Call reports 2013
WELLS RIVER SAVINGS BANK — 2013
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 152,916,000 | 151,020,000 | 160,837,000 | 157,857,000 |
| Total loans | 98,976,000 | 96,096,000 | 95,140,000 | 93,491,000 |
| Allowance for loan losses | 1,013,000 | 1,007,000 | 957,000 | 956,000 |
| Securities available for sale | 31,063,000 | 34,026,000 | 38,461,000 | 46,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,909,000 | 131,630,000 | 141,176,000 | 137,737,000 |
| Interest-bearing deposits | 112,001,000 | 110,461,000 | 118,304,000 | 115,780,000 |
| Noninterest-bearing deposits | 20,908,000 | 21,169,000 | 22,872,000 | 21,957,000 |
| Equity capital | 18,455,000 | 17,888,000 | 18,085,000 | 18,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,101,000 | 4,787,000 | 6,404,000 |
| Interest expense | 166,000 | 330,000 | 487,000 | 646,000 |
| Net interest income | 1,369,000 | 2,771,000 | 4,300,000 | 5,758,000 |
| Noninterest income | 270,000 | 553,000 | 834,000 | 1,249,000 |
| Noninterest expense | 1,582,000 | 3,214,000 | 4,848,000 | 6,538,000 |
| Provision for loan losses | 120,000 | 120,000 | 120,000 | 210,000 |
| Pretax income | 148,000 | 201,000 | 409,000 | 720,000 |
| Income tax | 1,000 | 1,000 | -54,000 | -85,000 |
| Net income | 147,000 | 200,000 | 463,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,006,000 | 18,059,000 | 18,322,000 | 18,254,000 |
| Total capital | 19,019,000 | 19,066,000 | 19,279,000 | 19,210,000 |
| Risk-weighted assets | 90,348,000 | 89,929,000 | 90,737,000 | 92,519,000 |