Call reports 2022
WELLS RIVER SAVINGS BANK — 2022
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 222,692,000 | 222,750,000 | 225,735,000 | 228,201,000 |
| Total loans | 121,199,000 | 128,958,000 | 132,372,000 | 139,953,000 |
| Allowance for loan losses | 1,394,000 | 1,388,000 | 1,312,000 | 1,341,000 |
| Securities available for sale | 63,458,000 | 60,624,000 | 60,055,000 | 61,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,047,000 | 1,943,000 | 1,849,000 | 1,808,000 |
| Total deposits | 199,279,000 | 202,215,000 | 207,393,000 | 209,378,000 |
| Interest-bearing deposits | 138,993,000 | 141,676,000 | 142,649,000 | 140,206,000 |
| Noninterest-bearing deposits | 60,286,000 | 60,539,000 | 64,744,000 | 69,172,000 |
| Equity capital | 18,834,000 | 16,002,000 | 14,034,000 | 14,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,776,000 | 3,635,000 | 5,648,000 | 7,895,000 |
| Interest expense | 107,000 | 217,000 | 331,000 | 445,000 |
| Net interest income | 1,669,000 | 3,418,000 | 5,317,000 | 7,450,000 |
| Noninterest income | 274,000 | 485,000 | 722,000 | 1,228,000 |
| Noninterest expense | 1,759,000 | 3,424,000 | 5,169,000 | 7,324,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 75,000 |
| Pretax income | 138,000 | 433,000 | 823,000 | 1,275,000 |
| Income tax | 27,000 | 86,000 | 164,000 | 232,000 |
| Net income | 111,000 | 347,000 | 659,000 | 1,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,390,000 | 22,626,000 | 22,937,000 | 23,420,000 |
| Total capital | 23,784,000 | 24,014,000 | 24,249,000 | 24,761,000 |
| Risk-weighted assets | 137,669,000 | 143,077,000 | 141,681,000 | 140,153,000 |