Call reports 2024
WELLS RIVER SAVINGS BANK — 2024
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 239,150,000 | 234,689,000 | 238,286,000 | 237,708,000 |
| Total loans | 153,163,000 | 155,721,000 | 158,640,000 | 157,799,000 |
| Allowance for loan losses | 1,693,000 | 1,713,000 | 1,594,000 | 1,634,000 |
| Securities available for sale | 58,001,000 | 57,516,000 | 58,215,000 | 56,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,844,000 | 1,837,000 | 1,894,000 | 1,845,000 |
| Total deposits | 196,243,000 | 196,106,000 | 200,050,000 | 204,666,000 |
| Interest-bearing deposits | 133,903,000 | 135,179,000 | 138,288,000 | 139,887,000 |
| Noninterest-bearing deposits | 62,340,000 | 60,927,000 | 61,762,000 | 64,779,000 |
| Equity capital | 17,389,000 | 18,072,000 | 19,934,000 | 18,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,698,000 | 5,497,000 | 8,321,000 | 11,202,000 |
| Interest expense | 628,000 | 1,364,000 | 2,076,000 | 2,714,000 |
| Net interest income | 2,070,000 | 4,133,000 | 6,245,000 | 8,488,000 |
| Noninterest income | 302,000 | 642,000 | 1,033,000 | 1,286,000 |
| Noninterest expense | 1,979,000 | 3,929,000 | 5,940,000 | 7,857,000 |
| Provision for loan losses | -142,000 | -96,000 | -60,000 | -10,000 |
| Pretax income | 503,000 | 908,000 | 1,223,000 | 1,755,000 |
| Income tax | 102,000 | 184,000 | 248,000 | 353,000 |
| Net income | 401,000 | 724,000 | 975,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,051,000 | 25,417,000 | 25,692,000 | 26,181,000 |
| Total capital | 26,776,000 | 27,162,000 | 27,313,000 | 27,841,000 |
| Risk-weighted assets | 152,584,000 | 151,973,000 | 151,460,000 | 151,448,000 |