Call reports 2023
WELLS RIVER SAVINGS BANK — 2023
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 223,596,000 | 231,428,000 | 226,042,000 | 233,858,000 |
| Total loans | 144,100,000 | 146,931,000 | 146,706,000 | 152,987,000 |
| Allowance for loan losses | 1,902,000 | 1,924,000 | 1,899,000 | 1,916,000 |
| Securities available for sale | 62,370,000 | 61,087,000 | 58,201,000 | 59,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,796,000 | 1,783,000 | 1,802,000 | 1,825,000 |
| Total deposits | 203,232,000 | 199,035,000 | 193,047,000 | 193,772,000 |
| Interest-bearing deposits | 136,508,000 | 134,875,000 | 131,249,000 | 133,005,000 |
| Noninterest-bearing deposits | 66,724,000 | 64,160,000 | 61,798,000 | 60,767,000 |
| Equity capital | 15,756,000 | 15,826,000 | 14,702,000 | 17,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,796,000 | 7,325,000 | 9,947,000 |
| Interest expense | 147,000 | 426,000 | 849,000 | 1,383,000 |
| Net interest income | 2,186,000 | 4,370,000 | 6,476,000 | 8,564,000 |
| Noninterest income | 264,000 | 576,000 | 915,000 | 1,264,000 |
| Noninterest expense | 1,973,000 | 3,895,000 | 5,842,000 | 7,950,000 |
| Provision for loan losses | 29,000 | 66,000 | 94,000 | 130,000 |
| Pretax income | 405,000 | 940,000 | 1,406,000 | 1,698,000 |
| Income tax | 88,000 | 190,000 | 285,000 | 339,000 |
| Net income | 317,000 | 750,000 | 1,121,000 | 1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,416,000 | 24,046,000 | 24,410,000 | 24,605,000 |
| Total capital | 25,200,000 | 25,905,000 | 26,267,000 | 26,490,000 |
| Risk-weighted assets | 142,671,000 | 148,720,000 | 148,571,000 | 150,796,000 |