Call reports 2017
WELLS RIVER SAVINGS BANK — 2017
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 165,645,000 | 166,218,000 | 169,041,000 | 163,531,000 |
| Total loans | 84,319,000 | 85,591,000 | 87,660,000 | 91,163,000 |
| Allowance for loan losses | 463,000 | 483,000 | 438,000 | 418,000 |
| Securities available for sale | 53,976,000 | 53,270,000 | 53,090,000 | 51,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,390,000 | 1,447,000 | 1,498,000 | 1,583,000 |
| Total deposits | 138,353,000 | 140,913,000 | 143,670,000 | 139,554,000 |
| Interest-bearing deposits | 105,936,000 | 107,334,000 | 108,200,000 | 103,066,000 |
| Noninterest-bearing deposits | 32,417,000 | 33,579,000 | 35,470,000 | 36,488,000 |
| Equity capital | 20,132,000 | 20,498,000 | 20,548,000 | 19,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 2,990,000 | 4,477,000 | 6,091,000 |
| Interest expense | 72,000 | 145,000 | 216,000 | 286,000 |
| Net interest income | 1,407,000 | 2,845,000 | 4,261,000 | 5,805,000 |
| Noninterest income | 313,000 | 623,000 | 956,000 | 1,277,000 |
| Noninterest expense | 1,705,000 | 3,361,000 | 5,078,000 | 6,797,000 |
| Provision for loan losses | 30,000 | 60,000 | 150,000 | 255,000 |
| Pretax income | 41,000 | 181,000 | 136,000 | 86,000 |
| Income tax | -8,000 | 21,000 | -9,000 | 864,000 |
| Net income | 49,000 | 160,000 | 145,000 | -778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,155,000 | 19,255,000 | 19,230,000 | 19,030,000 |
| Total capital | 19,618,000 | 19,738,000 | 19,668,000 | 19,448,000 |
| Risk-weighted assets | 98,186,000 | 97,840,000 | 100,602,000 | 100,560,000 |