Call reports 2013
WESTFIELD BANK — 2013
What WESTFIELD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,303,182,000 | 1,290,489,000 | 1,268,909,000 | 1,275,003,000 |
| Total loans | 596,264,000 | 606,605,000 | 620,154,000 | 637,427,000 |
| Allowance for loan losses | 7,565,000 | 7,473,000 | 7,311,000 | 7,459,000 |
| Securities available for sale | 614,602,000 | 415,500,000 | 241,340,000 | 241,605,000 |
| Securities held to maturity | 0 | 173,982,000 | 298,988,000 | 295,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 772,872,000 | 783,307,000 | 794,276,000 | 817,813,000 |
| Interest-bearing deposits | 742,725,000 | 752,689,000 | 763,495,000 | 781,491,000 |
| Noninterest-bearing deposits | 30,147,000 | 30,618,000 | 30,781,000 | 36,322,000 |
| Equity capital | 170,729,000 | 152,278,000 | 149,312,000 | 146,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,347,000 | 20,592,000 | 30,940,000 | 41,015,000 |
| Interest expense | 2,679,000 | 5,287,000 | 7,808,000 | 10,290,000 |
| Net interest income | 7,668,000 | 15,305,000 | 23,132,000 | 30,725,000 |
| Noninterest income | 949,000 | 2,493,000 | 3,497,000 | 4,510,000 |
| Noninterest expense | 7,526,000 | 15,356,000 | 22,323,000 | 28,541,000 |
| Provision for loan losses | -235,000 | -305,000 | -376,000 | -256,000 |
| Pretax income | 2,750,000 | 4,994,000 | 7,475,000 | 10,073,000 |
| Income tax | 663,000 | 1,019,000 | 1,592,000 | 2,182,000 |
| Net income | 2,087,000 | 3,975,000 | 5,883,000 | 7,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,027,000 | 154,708,000 | 153,220,000 | 149,965,000 |
| Total capital | 171,656,000 | 162,242,000 | 160,591,000 | 157,484,000 |
| Risk-weighted assets | 732,915,000 | 745,024,000 | 753,940,000 | 775,909,000 |
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