Call reports 2025
WESTFIELD BANK — 2025
What WESTFIELD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,707,580,000 | 2,708,826,000 | 2,731,580,000 | 2,734,114,000 |
| Total loans | 2,079,561,000 | 2,092,632,000 | 2,131,308,000 | 2,183,592,000 |
| Allowance for loan losses | 19,669,000 | 19,733,000 | 20,542,000 | 20,297,000 |
| Securities available for sale | 167,800,000 | 178,785,000 | 179,234,000 | 175,800,000 |
| Securities held to maturity | 201,557,000 | 197,671,000 | 193,446,000 | 188,800,000 |
| Trading assets | 5,300,000 | 5,120,000 | 5,005,000 | 4,963,000 |
| Total deposits | 2,329,915,000 | 2,331,654,000 | 2,351,666,000 | 2,363,037,000 |
| Interest-bearing deposits | 1,738,597,000 | 1,734,850,000 | 1,759,723,000 | 1,766,392,000 |
| Noninterest-bearing deposits | 591,318,000 | 596,804,000 | 591,943,000 | 596,645,000 |
| Equity capital | 242,981,000 | 244,460,000 | 248,575,000 | 252,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 28,436,000 | 58,047,000 | 88,076,000 | 118,608,000 |
| Interest expense | 12,649,000 | 24,365,000 | 36,052,000 | 47,506,000 |
| Net interest income | 15,787,000 | 33,682,000 | 52,024,000 | 71,102,000 |
| Noninterest income | 2,764,000 | 6,149,000 | 9,300,000 | 12,480,000 |
| Noninterest expense | 14,647,000 | 29,728,000 | 44,984,000 | 60,329,000 |
| Provision for loan losses | 169,000 | -352,000 | 500,000 | 296,000 |
| Pretax income | 3,757,000 | 10,596,000 | 15,562,000 | 22,953,000 |
| Income tax | 764,000 | 2,302,000 | 3,428,000 | 4,996,000 |
| Net income | 2,993,000 | 8,294,000 | 12,134,000 | 17,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 250,217,000 | 250,888,000 | 253,044,000 | 256,019,000 |
| Total capital | 270,469,000 | 271,116,000 | 274,530,000 | 276,990,000 |
| Risk-weighted assets | 1,994,283,000 | 1,980,366,000 | 2,021,080,000 | 2,055,437,000 |