Call reports 2004
WELLESLEY BANK — 2004
What WELLESLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,022,000 | 145,462,000 | 150,133,000 | 160,847,000 |
| Total loans | 99,376,000 | 112,539,000 | 122,377,000 | 135,371,000 |
| Allowance for loan losses | 1,036,000 | 1,081,000 | 1,136,000 | 1,176,000 |
| Securities available for sale | 28,506,000 | 22,395,000 | 17,120,000 | 15,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,418,000 | 121,146,000 | 123,204,000 | 117,584,000 |
| Interest-bearing deposits | 105,974,000 | 106,469,000 | 106,176,000 | 101,375,000 |
| Noninterest-bearing deposits | 12,444,000 | 14,677,000 | 17,028,000 | 16,209,000 |
| Equity capital | 11,439,000 | 11,125,000 | 11,819,000 | 12,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,794,000 | 3,659,000 | 5,739,000 | 7,994,000 |
| Interest expense | 548,000 | 1,112,000 | 1,710,000 | 2,324,000 |
| Net interest income | 1,246,000 | 2,547,000 | 4,029,000 | 5,670,000 |
| Noninterest income | 50,000 | 114,000 | 159,000 | 209,000 |
| Noninterest expense | 871,000 | 1,783,000 | 2,699,000 | 3,629,000 |
| Provision for loan losses | 15,000 | 60,000 | 115,000 | 230,000 |
| Pretax income | 410,000 | 810,000 | 1,353,000 | 1,979,000 |
| Income tax | 137,000 | 257,000 | 446,000 | 685,000 |
| Net income | 273,000 | 553,000 | 907,000 | 1,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,229,000 | 11,440,000 | 11,822,000 | 12,191,000 |
| Total capital | 12,265,000 | 12,521,000 | 12,958,000 | 13,367,000 |
| Risk-weighted assets | 95,890,000 | 105,220,000 | 104,652,000 | 117,340,000 |
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