Call reports 2018
WELLS RIVER SAVINGS BANK — 2018
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 165,928,000 | 167,604,000 | 183,218,000 | 184,805,000 |
| Total loans | 92,750,000 | 101,587,000 | 118,525,000 | 122,408,000 |
| Allowance for loan losses | 501,000 | 545,000 | 622,000 | 642,000 |
| Securities available for sale | 46,256,000 | 45,381,000 | 42,437,000 | 42,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,580,000 | 1,604,000 | 1,657,000 | 1,597,000 |
| Total deposits | 140,978,000 | 137,586,000 | 145,813,000 | 143,817,000 |
| Interest-bearing deposits | 104,422,000 | 102,682,000 | 109,672,000 | 109,232,000 |
| Noninterest-bearing deposits | 36,556,000 | 34,904,000 | 36,141,000 | 34,585,000 |
| Equity capital | 18,821,000 | 18,709,000 | 18,548,000 | 19,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 3,047,000 | 4,769,000 | 6,721,000 |
| Interest expense | 73,000 | 154,000 | 318,000 | 529,000 |
| Net interest income | 1,417,000 | 2,893,000 | 4,451,000 | 6,192,000 |
| Noninterest income | 284,000 | 574,000 | 896,000 | 1,055,000 |
| Noninterest expense | 1,725,000 | 3,468,000 | 5,211,000 | 6,828,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | -67,000 | -95,000 | 2,000 | 233,000 |
| Income tax | -18,000 | -28,000 | -12,000 | 13,000 |
| Net income | -49,000 | -67,000 | 14,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,980,000 | 18,963,000 | 19,044,000 | 19,745,000 |
| Total capital | 19,481,000 | 19,508,000 | 19,666,000 | 20,387,000 |
| Risk-weighted assets | 103,375,000 | 108,831,000 | 127,555,000 | 124,128,000 |