Call reports 2001
WESTFIELD BANK — 2001
What WESTFIELD BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 681,458,000 | 671,619,000 | 687,162,000 | 746,568,000 |
| Total loans | 476,761,000 | 426,609,000 | 432,593,000 | 418,502,000 |
| Allowance for loan losses | 3,293,000 | 3,338,000 | 3,497,000 | 3,435,000 |
| Securities available for sale | 91,206,000 | 145,781,000 | 116,905,000 | 138,214,000 |
| Securities held to maturity | 59,351,000 | 58,923,000 | 67,699,000 | 117,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 622,676,000 | 614,115,000 | 627,079,000 | 638,247,000 |
| Interest-bearing deposits | 583,742,000 | 567,908,000 | 582,769,000 | 589,984,000 |
| Noninterest-bearing deposits | 38,934,000 | 46,207,000 | 44,310,000 | 48,263,000 |
| Equity capital | 45,769,000 | 46,935,000 | 47,530,000 | 72,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 11,716,000 | 23,209,000 | 34,400,000 | 45,496,000 |
| Interest expense | 6,842,000 | 13,424,000 | 19,413,000 | 25,001,000 |
| Net interest income | 4,874,000 | 9,785,000 | 14,987,000 | 20,495,000 |
| Noninterest income | 385,000 | 724,000 | 1,088,000 | 1,756,000 |
| Noninterest expense | 3,627,000 | 7,534,000 | 11,308,000 | 16,162,000 |
| Provision for loan losses | 246,000 | 530,000 | 1,035,000 | 1,304,000 |
| Pretax income | 1,419,000 | 2,587,000 | 4,326,000 | 5,588,000 |
| Income tax | 472,000 | 859,000 | 1,443,000 | 1,812,000 |
| Net income | 947,000 | 1,728,000 | 2,883,000 | 3,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,529,000 | 45,310,000 | 45,430,000 | 71,382,000 |
| Total capital | 48,374,000 | 49,303,000 | 49,184,000 | 75,478,000 |
| Risk-weighted assets | 451,416,000 | 431,509,000 | 434,333,000 | 440,393,000 |
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