Call reports 2003
WESTFIELD BANK — 2003
What WESTFIELD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 763,764,000 | 762,956,000 | 770,425,000 | 748,497,000 |
| Total loans | 351,349,000 | 371,765,000 | 350,407,000 | 349,818,000 |
| Allowance for loan losses | 4,238,000 | 4,348,000 | 4,467,000 | 4,642,000 |
| Securities available for sale | 121,748,000 | 114,743,000 | 119,670,000 | 96,814,000 |
| Securities held to maturity | 198,812,000 | 196,708,000 | 214,407,000 | 230,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 659,510,000 | 656,566,000 | 653,814,000 | 633,389,000 |
| Interest-bearing deposits | 604,857,000 | 598,544,000 | 597,835,000 | 578,349,000 |
| Noninterest-bearing deposits | 54,653,000 | 58,022,000 | 55,979,000 | 55,040,000 |
| Equity capital | 73,135,000 | 76,177,000 | 76,951,000 | 78,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,182,000 | 17,803,000 | 25,787,000 | 33,956,000 |
| Interest expense | 3,957,000 | 7,532,000 | 10,853,000 | 13,858,000 |
| Net interest income | 5,225,000 | 10,271,000 | 14,934,000 | 20,098,000 |
| Noninterest income | 623,000 | 1,265,000 | 1,987,000 | 2,694,000 |
| Noninterest expense | 4,348,000 | 8,490,000 | 12,582,000 | 16,537,000 |
| Provision for loan losses | 200,000 | 350,000 | 500,000 | 750,000 |
| Pretax income | 1,360,000 | 2,809,000 | 4,022,000 | 5,914,000 |
| Income tax | 3,120,000 | 1,873,000 | 2,160,000 | 2,682,000 |
| Net income | -1,760,000 | 936,000 | 1,862,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,249,000 | 75,427,000 | 76,357,000 | 77,621,000 |
| Total capital | 76,565,000 | 79,884,000 | 80,994,000 | 82,733,000 |
| Risk-weighted assets | 413,453,000 | 440,183,000 | 429,014,000 | 422,750,000 |
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