Call reports 2016
WELLS RIVER SAVINGS BANK — 2016
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 168,854,000 | 162,917,000 | 167,538,000 | 162,631,000 |
| Total loans | 84,508,000 | 85,582,000 | 84,284,000 | 85,986,000 |
| Allowance for loan losses | 394,000 | 474,000 | 569,000 | 487,000 |
| Securities available for sale | 63,858,000 | 57,667,000 | 55,280,000 | 55,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 1,223,000 | 1,291,000 | 1,335,000 |
| Total deposits | 141,531,000 | 134,795,000 | 139,222,000 | 135,702,000 |
| Interest-bearing deposits | 111,834,000 | 106,034,000 | 107,120,000 | 104,840,000 |
| Noninterest-bearing deposits | 29,697,000 | 28,761,000 | 32,102,000 | 30,862,000 |
| Equity capital | 20,863,000 | 21,624,000 | 21,418,000 | 19,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,000,000 | 4,454,000 | 5,936,000 |
| Interest expense | 102,000 | 192,000 | 267,000 | 341,000 |
| Net interest income | 1,421,000 | 2,808,000 | 4,187,000 | 5,595,000 |
| Noninterest income | 272,000 | 486,000 | 824,000 | 1,096,000 |
| Noninterest expense | 1,605,000 | 3,230,000 | 4,900,000 | 6,583,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 390,000 |
| Pretax income | -9,000 | 183,000 | 495,000 | 374,000 |
| Income tax | -225,000 | -91,000 | -8,000 | -63,000 |
| Net income | 216,000 | 274,000 | 503,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,823,000 | 18,923,000 | 19,127,000 | 19,035,000 |
| Total capital | 19,217,000 | 19,397,000 | 19,696,000 | 19,522,000 |
| Risk-weighted assets | 89,096,000 | 89,180,000 | 92,116,000 | 95,838,000 |