Call reports 2020
WELLS RIVER SAVINGS BANK — 2020
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 193,007,000 | 206,868,000 | 199,837,000 | 202,195,000 |
| Total loans | 127,814,000 | 131,604,000 | 130,283,000 | 128,149,000 |
| Allowance for loan losses | 760,000 | 808,000 | 846,000 | 999,000 |
| Securities available for sale | 40,090,000 | 42,907,000 | 43,023,000 | 45,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,834,000 | 1,849,000 | 1,968,000 | 2,040,000 |
| Total deposits | 154,872,000 | 168,616,000 | 165,262,000 | 169,028,000 |
| Interest-bearing deposits | 116,307,000 | 120,326,000 | 114,574,000 | 117,636,000 |
| Noninterest-bearing deposits | 38,565,000 | 48,290,000 | 50,688,000 | 51,392,000 |
| Equity capital | 21,067,000 | 22,037,000 | 22,435,000 | 22,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,772,000 | 5,604,000 | 7,514,000 |
| Interest expense | 382,000 | 652,000 | 801,000 | 936,000 |
| Net interest income | 1,491,000 | 3,120,000 | 4,803,000 | 6,578,000 |
| Noninterest income | 213,000 | 453,000 | 805,000 | 1,154,000 |
| Noninterest expense | 1,685,000 | 3,364,000 | 5,274,000 | 6,897,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 325,000 |
| Pretax income | 98,000 | 239,000 | 478,000 | 785,000 |
| Income tax | 18,000 | 44,000 | 100,000 | -122,000 |
| Net income | 80,000 | 195,000 | 378,000 | 907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,559,000 | 20,674,000 | 20,858,000 | 21,125,000 |
| Total capital | 21,319,000 | 21,482,000 | 21,704,000 | 22,124,000 |
| Risk-weighted assets | 128,093,000 | 136,448,000 | 133,567,000 | 131,902,000 |