Call reports 2015
WELLS RIVER SAVINGS BANK — 2015
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 166,089,000 | 168,932,000 | 172,474,000 | 168,469,000 |
| Total loans | 86,917,000 | 86,449,000 | 86,126,000 | 84,989,000 |
| Allowance for loan losses | 907,000 | 865,000 | 883,000 | 900,000 |
| Securities available for sale | 54,798,000 | 59,447,000 | 65,732,000 | 64,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,263,000 | 142,556,000 | 145,616,000 | 141,772,000 |
| Interest-bearing deposits | 114,228,000 | 115,236,000 | 116,390,000 | 113,539,000 |
| Noninterest-bearing deposits | 25,035,000 | 27,320,000 | 29,226,000 | 28,233,000 |
| Equity capital | 20,361,000 | 19,930,000 | 20,400,000 | 20,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,100,000 | 4,685,000 | 6,251,000 |
| Interest expense | 118,000 | 243,000 | 357,000 | 469,000 |
| Net interest income | 1,438,000 | 2,857,000 | 4,328,000 | 5,782,000 |
| Noninterest income | 244,000 | 512,000 | 774,000 | 1,034,000 |
| Noninterest expense | 1,574,000 | 3,196,000 | 4,813,000 | 6,487,000 |
| Provision for loan losses | 120,000 | 240,000 | 270,000 | 360,000 |
| Pretax income | 180,000 | 101,000 | 316,000 | 386,000 |
| Income tax | -102,000 | -265,000 | -250,000 | -278,000 |
| Net income | 282,000 | 366,000 | 566,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,412,000 | 18,508,000 | 18,736,000 | 18,738,000 |
| Total capital | 19,319,000 | 19,373,000 | 19,619,000 | 19,638,000 |
| Risk-weighted assets | 88,650,000 | 88,984,000 | 89,772,000 | 89,093,000 |