Call reports 2014
WESTFIELD BANK — 2014
What WESTFIELD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,273,298,000 | 1,284,262,000 | 1,309,216,000 | 1,318,315,000 |
| Total loans | 648,240,000 | 686,068,000 | 719,555,000 | 724,686,000 |
| Allowance for loan losses | 7,567,000 | 8,017,000 | 7,695,000 | 7,948,000 |
| Securities available for sale | 232,273,000 | 191,192,000 | 211,088,000 | 214,211,000 |
| Securities held to maturity | 292,019,000 | 288,199,000 | 283,684,000 | 278,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 807,427,000 | 819,059,000 | 829,603,000 | 835,161,000 |
| Interest-bearing deposits | 774,317,000 | 783,317,000 | 794,672,000 | 801,271,000 |
| Noninterest-bearing deposits | 33,110,000 | 35,742,000 | 34,931,000 | 33,890,000 |
| Equity capital | 144,173,000 | 139,085,000 | 136,632,000 | 134,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 10,034,000 | 20,160,000 | 30,495,000 | 40,961,000 |
| Interest expense | 2,379,000 | 4,821,000 | 7,329,000 | 9,923,000 |
| Net interest income | 7,655,000 | 15,339,000 | 23,166,000 | 31,038,000 |
| Noninterest income | 1,050,000 | 2,068,000 | 3,108,000 | 4,140,000 |
| Noninterest expense | 6,228,000 | 12,428,000 | 18,482,000 | 24,710,000 |
| Provision for loan losses | 100,000 | 550,000 | 1,300,000 | 1,575,000 |
| Pretax income | 2,406,000 | 4,479,000 | 6,768,000 | 9,213,000 |
| Income tax | 517,000 | 1,008,000 | 1,570,000 | 2,156,000 |
| Net income | 1,889,000 | 3,471,000 | 5,198,000 | 7,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,945,000 | 143,454,000 | 141,624,000 | 142,383,000 |
| Total capital | 155,572,000 | 151,531,000 | 149,379,000 | 150,392,000 |
| Risk-weighted assets | 782,971,000 | 818,622,000 | 843,595,000 | 844,364,000 |
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