Call reports 2012
WELLESLEY BANK — 2012
What WELLESLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 313,287,000 | 323,705,000 | 356,296,000 | 374,848,000 |
| Total loans | 234,150,000 | 249,950,000 | 279,831,000 | 307,106,000 |
| Allowance for loan losses | 3,455,000 | 3,549,000 | 3,694,000 | 3,844,000 |
| Securities available for sale | 41,905,000 | 45,439,000 | 42,457,000 | 39,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,923,000 | 257,067,000 | 288,041,000 | 305,931,000 |
| Interest-bearing deposits | 222,946,000 | 223,453,000 | 251,603,000 | 266,845,000 |
| Noninterest-bearing deposits | 34,977,000 | 33,614,000 | 36,438,000 | 39,086,000 |
| Equity capital | 32,089,000 | 32,745,000 | 33,535,000 | 34,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,388,000 | 6,824,000 | 10,358,000 | 14,122,000 |
| Interest expense | 637,000 | 1,301,000 | 1,981,000 | 2,698,000 |
| Net interest income | 2,751,000 | 5,523,000 | 8,377,000 | 11,424,000 |
| Noninterest income | 137,000 | 315,000 | 551,000 | 998,000 |
| Noninterest expense | 1,833,000 | 3,862,000 | 5,879,000 | 7,996,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 905,000 | 1,725,000 | 2,700,000 | 3,974,000 |
| Income tax | 327,000 | 628,000 | 994,000 | 1,453,000 |
| Net income | 578,000 | 1,097,000 | 1,706,000 | 2,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,414,000 | 31,978,000 | 32,635,000 | 33,512,000 |
| Total capital | 34,159,000 | 34,851,000 | 35,709,000 | 36,819,000 |
| Risk-weighted assets | 218,915,000 | 229,188,000 | 245,347,000 | 264,024,000 |