Call reports 2003
WELLESLEY BANK — 2003
What WELLESLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,279,000 | 130,171,000 | 133,134,000 | 132,973,000 |
| Total loans | 87,076,000 | 89,760,000 | 89,049,000 | 92,105,000 |
| Allowance for loan losses | 921,000 | 971,000 | 1,001,000 | 1,021,000 |
| Securities available for sale | 29,032,000 | 31,317,000 | 34,689,000 | 27,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,312,000 | 113,404,000 | 116,048,000 | 114,900,000 |
| Interest-bearing deposits | 96,943,000 | 102,336,000 | 102,688,000 | 101,298,000 |
| Noninterest-bearing deposits | 11,369,000 | 11,068,000 | 13,360,000 | 13,602,000 |
| Equity capital | 10,354,000 | 10,727,000 | 10,591,000 | 10,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,749,000 | 3,568,000 | 5,340,000 | 7,129,000 |
| Interest expense | 667,000 | 1,316,000 | 1,933,000 | 2,508,000 |
| Net interest income | 1,082,000 | 2,252,000 | 3,407,000 | 4,621,000 |
| Noninterest income | 124,000 | 270,000 | 360,000 | 400,000 |
| Noninterest expense | 868,000 | 1,827,000 | 2,734,000 | 3,589,000 |
| Provision for loan losses | 60,000 | 110,000 | 140,000 | 160,000 |
| Pretax income | 278,000 | 586,000 | 894,000 | 1,216,000 |
| Income tax | 93,000 | 194,000 | 296,000 | 341,000 |
| Net income | 185,000 | 392,000 | 598,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,269,000 | 10,476,000 | 10,621,000 | 10,953,000 |
| Total capital | 11,195,000 | 11,450,000 | 11,622,000 | 11,974,000 |
| Risk-weighted assets | 92,943,000 | 94,805,000 | 92,882,000 | 97,711,000 |
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