Call reports 2010
WELLESLEY BANK — 2010
What WELLESLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 246,763,000 | 255,898,000 | 256,673,000 | 262,030,000 |
| Total loans | 192,611,000 | 199,412,000 | 203,965,000 | 206,887,000 |
| Allowance for loan losses | 2,260,000 | 2,460,000 | 2,709,000 | 2,690,000 |
| Securities available for sale | 26,987,000 | 25,973,000 | 26,262,000 | 25,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,979,000 | 210,919,000 | 211,776,000 | 222,470,000 |
| Interest-bearing deposits | 174,466,000 | 183,329,000 | 185,450,000 | 193,734,000 |
| Noninterest-bearing deposits | 26,513,000 | 27,590,000 | 26,326,000 | 28,736,000 |
| Equity capital | 18,828,000 | 19,431,000 | 20,081,000 | 20,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,222,000 | 6,529,000 | 9,979,000 | 13,358,000 |
| Interest expense | 945,000 | 1,799,000 | 2,619,000 | 3,393,000 |
| Net interest income | 2,277,000 | 4,730,000 | 7,360,000 | 9,965,000 |
| Noninterest income | 96,000 | 229,000 | 291,000 | 442,000 |
| Noninterest expense | 1,348,000 | 2,859,000 | 4,343,000 | 5,976,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 | 1,100,000 |
| Pretax income | 825,000 | 1,600,000 | 2,508,000 | 3,413,000 |
| Income tax | 305,000 | 589,000 | 922,000 | 1,258,000 |
| Net income | 520,000 | 1,011,000 | 1,586,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,466,000 | 18,952,000 | 19,528,000 | 20,099,000 |
| Total capital | 20,629,000 | 21,217,000 | 21,850,000 | 22,463,000 |
| Risk-weighted assets | 172,972,000 | 181,027,000 | 185,415,000 | 188,822,000 |
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