Call reports 2005
WELLESLEY BANK — 2005
What WELLESLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 165,042,000 | 162,819,000 | 164,733,000 | 165,926,000 |
| Total loans | 136,427,000 | 132,096,000 | 131,058,000 | 131,027,000 |
| Allowance for loan losses | 1,258,000 | 1,288,000 | 1,313,000 | 1,348,000 |
| Securities available for sale | 15,522,000 | 17,373,000 | 18,853,000 | 19,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,108,000 | 126,894,000 | 126,441,000 | 132,204,000 |
| Interest-bearing deposits | 105,507,000 | 109,302,000 | 109,354,000 | 115,318,000 |
| Noninterest-bearing deposits | 18,601,000 | 17,592,000 | 17,087,000 | 16,886,000 |
| Equity capital | 12,502,000 | 13,001,000 | 13,348,000 | 13,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,402,000 | 4,772,000 | 7,230,000 | 9,710,000 |
| Interest expense | 718,000 | 1,493,000 | 2,327,000 | 3,226,000 |
| Net interest income | 1,684,000 | 3,279,000 | 4,903,000 | 6,484,000 |
| Noninterest income | 45,000 | 103,000 | 169,000 | 225,000 |
| Noninterest expense | 911,000 | 1,944,000 | 2,941,000 | 3,922,000 |
| Provision for loan losses | 85,000 | 115,000 | 140,000 | 175,000 |
| Pretax income | 733,000 | 1,323,000 | 1,991,000 | 2,612,000 |
| Income tax | 285,000 | 508,000 | 767,000 | 995,000 |
| Net income | 448,000 | 815,000 | 1,224,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,611,000 | 13,002,000 | 13,389,000 | 13,778,000 |
| Total capital | 13,869,000 | 14,290,000 | 14,702,000 | 15,126,000 |
| Risk-weighted assets | 117,897,000 | 116,643,000 | 118,996,000 | 119,978,000 |
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