Call reports 2004
WESTFIELD BANK — 2004
What WESTFIELD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 752,654,000 | 753,525,000 |
| Total loans | 359,896,000 | 360,676,000 |
| Allowance for loan losses | 4,699,000 | 4,797,000 |
| Securities available for sale | 76,385,000 | 83,989,000 |
| Securities held to maturity | 223,097,000 | 221,661,000 |
| Trading assets | 0 | 0 |
| Total deposits | 622,613,000 | 620,965,000 |
| Interest-bearing deposits | 567,183,000 | 563,430,000 |
| Noninterest-bearing deposits | 55,430,000 | 57,535,000 |
| Equity capital | 79,925,000 | 80,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 8,200,000 | 16,168,000 |
| Interest expense | 2,750,000 | 5,434,000 |
| Net interest income | 5,450,000 | 10,734,000 |
| Noninterest income | 601,000 | 1,510,000 |
| Noninterest expense | 4,177,000 | 8,348,000 |
| Provision for loan losses | 150,000 | 275,000 |
| Pretax income | 2,201,000 | 4,712,000 |
| Income tax | 677,000 | 1,475,000 |
| Net income | 1,524,000 | 3,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 79,146,000 | 80,742,000 |
| Total capital | 84,205,000 | 85,617,000 |
| Risk-weighted assets | 426,437,000 | 426,678,000 |
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