Call reports 2014
WELLS RIVER SAVINGS BANK — 2014
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 159,351,000 | 161,503,000 | 163,447,000 | 155,078,000 |
| Total loans | 92,295,000 | 91,635,000 | 91,550,000 | 89,249,000 |
| Allowance for loan losses | 1,003,000 | 946,000 | 790,000 | 853,000 |
| Securities available for sale | 48,069,000 | 50,009,000 | 47,502,000 | 42,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,426,000 | 139,972,000 | 141,496,000 | 133,145,000 |
| Interest-bearing deposits | 114,860,000 | 114,742,000 | 116,204,000 | 108,653,000 |
| Noninterest-bearing deposits | 23,566,000 | 25,230,000 | 25,292,000 | 24,492,000 |
| Equity capital | 19,068,000 | 19,728,000 | 20,106,000 | 20,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,285,000 | 4,924,000 | 6,493,000 |
| Interest expense | 143,000 | 278,000 | 404,000 | 520,000 |
| Net interest income | 1,505,000 | 3,007,000 | 4,520,000 | 5,973,000 |
| Noninterest income | 276,000 | 574,000 | 859,000 | 1,151,000 |
| Noninterest expense | 1,554,000 | 3,128,000 | 4,748,000 | 6,421,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 360,000 |
| Pretax income | 137,000 | 289,000 | 580,000 | 870,000 |
| Income tax | -127,000 | -142,000 | -116,000 | -71,000 |
| Net income | 264,000 | 431,000 | 696,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,723,000 | 19,091,000 | 19,360,000 | 19,584,000 |
| Total capital | 19,726,000 | 20,037,000 | 20,150,000 | 20,437,000 |
| Risk-weighted assets | 91,797,000 | 91,572,000 | 94,492,000 | 89,432,000 |