Call reports 2009
WELLESLEY BANK — 2009
What WELLESLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,864,000 | 254,221,000 | 259,000,000 | 245,841,000 |
| Total loans | 196,979,000 | 189,653,000 | 187,771,000 | 186,505,000 |
| Allowance for loan losses | 2,122,000 | 2,197,000 | 2,245,000 | 2,060,000 |
| Securities available for sale | 29,264,000 | 28,887,000 | 27,884,000 | 28,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,347,000 | 203,119,000 | 206,997,000 | 195,946,000 |
| Interest-bearing deposits | 174,719,000 | 180,870,000 | 184,406,000 | 173,002,000 |
| Noninterest-bearing deposits | 20,628,000 | 22,249,000 | 22,591,000 | 22,944,000 |
| Equity capital | 17,326,000 | 17,667,000 | 18,163,000 | 18,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,398,000 | 6,796,000 | 10,103,000 | 13,392,000 |
| Interest expense | 1,551,000 | 2,959,000 | 4,348,000 | 5,566,000 |
| Net interest income | 1,847,000 | 3,837,000 | 5,755,000 | 7,826,000 |
| Noninterest income | 73,000 | 174,000 | 268,000 | 392,000 |
| Noninterest expense | 1,346,000 | 2,821,000 | 4,360,000 | 5,944,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 499,000 | 1,040,000 | 1,438,000 | 1,843,000 |
| Income tax | 180,000 | 377,000 | 515,000 | 697,000 |
| Net income | 319,000 | 663,000 | 923,000 | 1,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,092,000 | 17,441,000 | 17,718,000 | 17,946,000 |
| Total capital | 19,214,000 | 19,541,000 | 19,827,000 | 20,006,000 |
| Risk-weighted assets | 171,241,000 | 167,873,000 | 168,612,000 | 168,746,000 |
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