Call reports 2011
WELLESLEY BANK — 2011
What WELLESLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 266,606,000 | 264,796,000 | 274,364,000 | 303,159,000 |
| Total loans | 211,397,000 | 208,682,000 | 209,649,000 | 225,283,000 |
| Allowance for loan losses | 2,929,000 | 3,229,000 | 3,245,000 | 3,395,000 |
| Securities available for sale | 25,998,000 | 28,507,000 | 32,554,000 | 36,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,521,000 | 228,635,000 | 234,373,000 | 264,923,000 |
| Interest-bearing deposits | 196,251,000 | 198,878,000 | 203,125,000 | 217,072,000 |
| Noninterest-bearing deposits | 29,270,000 | 29,757,000 | 31,248,000 | 47,851,000 |
| Equity capital | 20,861,000 | 21,441,000 | 22,147,000 | 22,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,247,000 | 6,453,000 | 9,671,000 | 12,991,000 |
| Interest expense | 726,000 | 1,431,000 | 2,063,000 | 2,709,000 |
| Net interest income | 2,521,000 | 5,022,000 | 7,608,000 | 10,282,000 |
| Noninterest income | 117,000 | 251,000 | 379,000 | 516,000 |
| Noninterest expense | 1,565,000 | 3,179,000 | 4,915,000 | 6,770,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 773,000 | 1,494,000 | 2,322,000 | 3,146,000 |
| Income tax | 281,000 | 538,000 | 836,000 | 1,140,000 |
| Net income | 492,000 | 956,000 | 1,486,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,591,000 | 21,053,000 | 21,585,000 | 22,104,000 |
| Total capital | 23,027,000 | 23,481,000 | 24,008,000 | 24,707,000 |
| Risk-weighted assets | 194,406,000 | 193,443,000 | 193,025,000 | 207,458,000 |