Call reports 2008
WELLESLEY BANK — 2008
What WELLESLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 219,005,000 | 221,017,000 | 229,446,000 | 241,277,000 |
| Total loans | 180,486,000 | 186,670,000 | 194,483,000 | 196,776,000 |
| Allowance for loan losses | 1,652,000 | 1,742,000 | 1,912,000 | 2,047,000 |
| Securities available for sale | 21,889,000 | 20,613,000 | 18,112,000 | 29,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,063,000 | 169,025,000 | 174,563,000 | 188,082,000 |
| Interest-bearing deposits | 146,669,000 | 150,426,000 | 156,448,000 | 165,024,000 |
| Noninterest-bearing deposits | 18,394,000 | 18,599,000 | 18,115,000 | 23,058,000 |
| Equity capital | 16,409,000 | 16,466,000 | 16,066,000 | 16,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,400,000 | 6,739,000 | 10,160,000 | 13,575,000 |
| Interest expense | 1,837,000 | 3,512,000 | 5,131,000 | 6,747,000 |
| Net interest income | 1,563,000 | 3,227,000 | 5,029,000 | 6,828,000 |
| Noninterest income | 78,000 | 156,000 | 256,000 | 340,000 |
| Noninterest expense | 1,204,000 | 2,466,000 | 3,700,000 | 5,026,000 |
| Provision for loan losses | 50,000 | 140,000 | 310,000 | 445,000 |
| Pretax income | 384,000 | 774,000 | 571,000 | 993,000 |
| Income tax | 124,000 | 255,000 | 429,000 | 305,000 |
| Net income | 260,000 | 519,000 | 142,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,188,000 | 16,400,000 | 16,542,000 | 16,768,000 |
| Total capital | 17,840,000 | 18,142,000 | 18,454,000 | 18,815,000 |
| Risk-weighted assets | 158,993,000 | 162,332,000 | 169,467,000 | 169,456,000 |
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