Call reports 2006
WELLESLEY BANK — 2006
What WELLESLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 172,735,000 | 179,449,000 | 178,892,000 | 186,666,000 |
| Total loans | 137,090,000 | 144,709,000 | 146,409,000 | 153,657,000 |
| Allowance for loan losses | 1,373,000 | 1,388,000 | 1,403,000 | 1,418,000 |
| Securities available for sale | 19,540,000 | 19,018,000 | 21,328,000 | 21,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,467,000 | 136,564,000 | 136,724,000 | 144,235,000 |
| Interest-bearing deposits | 120,446,000 | 115,838,000 | 119,678,000 | 124,207,000 |
| Noninterest-bearing deposits | 19,021,000 | 20,726,000 | 17,046,000 | 20,028,000 |
| Equity capital | 13,919,000 | 14,065,000 | 14,694,000 | 15,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,270,000 | 8,229,000 | 11,215,000 |
| Interest expense | 1,007,000 | 2,125,000 | 3,467,000 | 4,939,000 |
| Net interest income | 1,575,000 | 3,145,000 | 4,762,000 | 6,276,000 |
| Noninterest income | 66,000 | 132,000 | 202,000 | 280,000 |
| Noninterest expense | 1,061,000 | 2,194,000 | 3,260,000 | 4,368,000 |
| Provision for loan losses | 25,000 | 40,000 | 55,000 | 70,000 |
| Pretax income | 555,000 | 1,043,000 | 1,649,000 | 2,118,000 |
| Income tax | 198,000 | 370,000 | 588,000 | 749,000 |
| Net income | 357,000 | 673,000 | 1,061,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,172,000 | 14,439,000 | 14,856,000 | 15,184,000 |
| Total capital | 15,545,000 | 15,827,000 | 16,259,000 | 16,602,000 |
| Risk-weighted assets | 124,701,000 | 130,187,000 | 130,834,000 | 134,160,000 |
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