Call reports 2019
WELLS RIVER SAVINGS BANK — 2019
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 188,024,000 | 187,863,000 | 184,866,000 | 187,048,000 |
| Total loans | 121,787,000 | 124,053,000 | 124,585,000 | 126,364,000 |
| Allowance for loan losses | 655,000 | 679,000 | 725,000 | 722,000 |
| Securities available for sale | 42,135,000 | 42,117,000 | 38,870,000 | 43,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,682,000 | 1,724,000 | 1,802,000 | 1,887,000 |
| Total deposits | 149,035,000 | 147,865,000 | 150,712,000 | 152,426,000 |
| Interest-bearing deposits | 111,942,000 | 111,918,000 | 113,550,000 | 116,635,000 |
| Noninterest-bearing deposits | 37,093,000 | 35,947,000 | 37,162,000 | 35,791,000 |
| Equity capital | 20,087,000 | 20,922,000 | 21,166,000 | 21,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,882,000 | 3,767,000 | 5,685,000 | 7,597,000 |
| Interest expense | 259,000 | 553,000 | 846,000 | 1,122,000 |
| Net interest income | 1,623,000 | 3,214,000 | 4,839,000 | 6,475,000 |
| Noninterest income | 355,000 | 652,000 | 1,008,000 | 1,320,000 |
| Noninterest expense | 1,692,000 | 3,379,000 | 5,184,000 | 6,962,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 237,000 | 389,000 | 616,000 | 735,000 |
| Income tax | 46,000 | 75,000 | 120,000 | 144,000 |
| Net income | 191,000 | 314,000 | 496,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,937,000 | 20,060,000 | 20,242,000 | 20,336,000 |
| Total capital | 20,592,000 | 20,739,000 | 20,967,000 | 21,058,000 |
| Risk-weighted assets | 123,918,000 | 124,864,000 | 122,505,000 | 125,985,000 |