Call reports 2021
WESTFIELD BANK — 2021
What WESTFIELD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,466,023,000 | 2,457,594,000 | 2,503,631,000 | 2,532,479,000 |
| Total loans | 1,924,868,000 | 1,876,988,000 | 1,846,150,000 | 1,864,716,000 |
| Allowance for loan losses | 21,227,000 | 19,870,000 | 19,837,000 | 19,787,000 |
| Securities available for sale | 195,454,000 | 231,166,000 | 208,030,000 | 194,352,000 |
| Securities held to maturity | 63,960,000 | 107,783,000 | 154,403,000 | 222,272,000 |
| Trading assets | 2,061,000 | 1,818,000 | 1,775,000 | 1,692,000 |
| Total deposits | 2,161,033,000 | 2,189,532,000 | 2,232,183,000 | 2,259,093,000 |
| Interest-bearing deposits | 2,048,878,000 | 2,077,838,000 | 2,118,346,000 | 2,141,588,000 |
| Noninterest-bearing deposits | 112,155,000 | 111,694,000 | 113,837,000 | 117,505,000 |
| Equity capital | 210,113,000 | 214,490,000 | 219,465,000 | 226,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 20,033,000 | 39,685,000 | 59,923,000 | 79,849,000 |
| Interest expense | 2,007,000 | 3,658,000 | 4,875,000 | 5,966,000 |
| Net interest income | 18,026,000 | 36,027,000 | 55,048,000 | 73,883,000 |
| Noninterest income | 3,155,000 | 5,571,000 | 8,851,000 | 12,804,000 |
| Noninterest expense | 12,783,000 | 25,902,000 | 39,232,000 | 52,497,000 |
| Provision for loan losses | 75,000 | -1,125,000 | -1,225,000 | -925,000 |
| Pretax income | 8,172,000 | 16,664,000 | 25,748,000 | 34,875,000 |
| Income tax | 1,978,000 | 4,266,000 | 6,617,000 | 8,842,000 |
| Net income | 6,194,000 | 12,398,000 | 19,131,000 | 26,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,918,000 | 213,249,000 | 218,826,000 | 224,001,000 |
| Total capital | 230,741,000 | 233,119,000 | 238,663,000 | 243,788,000 |
| Risk-weighted assets | 1,665,412,000 | 1,718,619,000 | 1,755,099,000 | 1,826,685,000 |
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