Call reports 2025
WELLS RIVER SAVINGS BANK — 2025
What WELLS RIVER SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 238,304,000 | 247,991,000 | 251,557,000 | 251,880,000 |
| Total loans | 159,676,000 | 165,788,000 | 169,363,000 | 173,728,000 |
| Allowance for loan losses | 1,622,000 | 1,710,000 | 1,594,000 | 1,603,000 |
| Securities available for sale | 57,898,000 | 58,513,000 | 56,896,000 | 56,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,864,000 | 1,831,000 | 1,873,000 | 1,875,000 |
| Total deposits | 203,853,000 | 212,734,000 | 219,332,000 | 219,733,000 |
| Interest-bearing deposits | 142,649,000 | 147,225,000 | 152,873,000 | 156,085,000 |
| Noninterest-bearing deposits | 61,204,000 | 65,509,000 | 66,459,000 | 63,648,000 |
| Equity capital | 20,010,000 | 20,696,000 | 21,846,000 | 22,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,821,000 | 5,739,000 | 8,815,000 | 12,002,000 |
| Interest expense | 577,000 | 1,360,000 | 2,069,000 | 2,767,000 |
| Net interest income | 2,244,000 | 4,379,000 | 6,746,000 | 9,235,000 |
| Noninterest income | 300,000 | 571,000 | 914,000 | 1,242,000 |
| Noninterest expense | 2,045,000 | 4,046,000 | 6,178,000 | 8,420,000 |
| Provision for loan losses | 6,000 | 108,000 | 67,000 | 87,000 |
| Pretax income | 496,000 | 910,000 | 1,524,000 | 2,104,000 |
| Income tax | 109,000 | 184,000 | 310,000 | 426,000 |
| Net income | 387,000 | 726,000 | 1,214,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,638,000 | 26,977,000 | 27,528,000 | 27,992,000 |
| Total capital | 28,282,000 | 28,721,000 | 29,162,000 | 29,609,000 |
| Risk-weighted assets | 152,289,000 | 162,657,000 | 165,155,000 | 165,425,000 |