Call reports 2021
WELLS RIVER SAVINGS BANK — 2021
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 211,398,000 | 213,679,000 | 219,260,000 | 222,311,000 |
| Total loans | 123,915,000 | 118,764,000 | 119,523,000 | 119,935,000 |
| Allowance for loan losses | 1,086,000 | 1,146,000 | 1,251,000 | 1,357,000 |
| Securities available for sale | 57,107,000 | 60,442,000 | 66,600,000 | 68,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,028,000 | 2,114,000 | 2,153,000 | 2,162,000 |
| Total deposits | 182,791,000 | 186,467,000 | 192,171,000 | 195,070,000 |
| Interest-bearing deposits | 127,901,000 | 131,206,000 | 135,649,000 | 135,592,000 |
| Noninterest-bearing deposits | 54,890,000 | 55,261,000 | 56,522,000 | 59,478,000 |
| Equity capital | 21,984,000 | 22,480,000 | 22,623,000 | 22,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,797,000 | 3,595,000 | 5,441,000 | 7,366,000 |
| Interest expense | 123,000 | 227,000 | 336,000 | 445,000 |
| Net interest income | 1,674,000 | 3,368,000 | 5,105,000 | 6,921,000 |
| Noninterest income | 286,000 | 665,000 | 1,003,000 | 1,276,000 |
| Noninterest expense | 1,738,000 | 3,666,000 | 5,426,000 | 7,384,000 |
| Provision for loan losses | 85,000 | 170,000 | 255,000 | 360,000 |
| Pretax income | 556,000 | 658,000 | 887,000 | 911,000 |
| Income tax | 112,000 | 131,000 | 178,000 | -248,000 |
| Net income | 444,000 | 527,000 | 709,000 | 1,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,745,000 | 21,827,000 | 22,009,000 | 22,267,000 |
| Total capital | 22,831,000 | 22,973,000 | 23,260,000 | 23,624,000 |
| Risk-weighted assets | 135,458,000 | 128,031,000 | 130,016,000 | 144,476,000 |