Call reports 2002
WESTFIELD BANK — 2002
What WESTFIELD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 727,880,000 | 735,280,000 | 742,478,000 | 761,159,000 |
| Total loans | 407,081,000 | 405,160,000 | 391,480,000 | 361,973,000 |
| Allowance for loan losses | 4,099,000 | 4,221,000 | 4,389,000 | 4,325,000 |
| Securities available for sale | 145,007,000 | 131,588,000 | 127,472,000 | 138,831,000 |
| Securities held to maturity | 119,593,000 | 133,615,000 | 151,678,000 | 186,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,554,000 | 648,832,000 | 653,762,000 | 657,309,000 |
| Interest-bearing deposits | 595,646,000 | 601,187,000 | 604,415,000 | 602,053,000 |
| Noninterest-bearing deposits | 46,908,000 | 47,645,000 | 49,347,000 | 55,256,000 |
| Equity capital | 73,146,000 | 73,817,000 | 74,066,000 | 75,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,563,000 | 20,996,000 | 31,229,000 | 40,962,000 |
| Interest expense | 5,012,000 | 9,822,000 | 14,462,000 | 18,775,000 |
| Net interest income | 5,551,000 | 11,174,000 | 16,767,000 | 22,187,000 |
| Noninterest income | 296,000 | 750,000 | 1,172,000 | 1,387,000 |
| Noninterest expense | 3,725,000 | 7,859,000 | 11,856,000 | 15,560,000 |
| Provision for loan losses | 652,000 | 891,000 | 1,223,000 | 1,422,000 |
| Pretax income | 1,222,000 | 2,417,000 | 3,964,000 | 4,842,000 |
| Income tax | 410,000 | 810,000 | 1,333,000 | 1,722,000 |
| Net income | 812,000 | 1,607,000 | 2,631,000 | 3,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,191,000 | 72,236,000 | 72,201,000 | 74,076,000 |
| Total capital | 76,531,000 | 76,555,000 | 76,668,000 | 78,479,000 |
| Risk-weighted assets | 429,982,000 | 428,339,000 | 421,515,000 | 403,785,000 |
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