Call reports 2015
WELLESLEY BANK — 2015
What WELLESLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 542,242,000 | 560,459,000 | 587,933,000 | 619,593,000 |
| Total loans | 452,642,000 | 480,099,000 | 507,168,000 | 513,572,000 |
| Allowance for loan losses | 4,716,000 | 4,816,000 | 4,966,000 | 5,112,000 |
| Securities available for sale | 55,328,000 | 49,596,000 | 50,173,000 | 62,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,751,000 | 429,874,000 | 453,989,000 | 465,751,000 |
| Interest-bearing deposits | 366,238,000 | 363,531,000 | 383,901,000 | 401,090,000 |
| Noninterest-bearing deposits | 65,513,000 | 66,343,000 | 70,088,000 | 64,661,000 |
| Equity capital | 45,492,000 | 46,032,000 | 47,061,000 | 56,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,156,000 | 10,439,000 | 16,082,000 | 22,087,000 |
| Interest expense | 852,000 | 1,701,000 | 2,689,000 | 3,743,000 |
| Net interest income | 4,304,000 | 8,738,000 | 13,393,000 | 18,344,000 |
| Noninterest income | 254,000 | 523,000 | 792,000 | 1,223,000 |
| Noninterest expense | 3,494,000 | 6,851,000 | 10,266,000 | 13,735,000 |
| Provision for loan losses | 50,000 | 150,000 | 300,000 | 475,000 |
| Pretax income | 1,014,000 | 2,260,000 | 3,647,000 | 5,388,000 |
| Income tax | 384,000 | 857,000 | 1,382,000 | 2,043,000 |
| Net income | 630,000 | 1,403,000 | 2,265,000 | 3,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,937,000 | 45,769,000 | 46,694,000 | 56,836,000 |
| Total capital | 49,653,000 | 50,585,000 | 51,660,000 | 61,948,000 |
| Risk-weighted assets | 403,506,000 | 416,208,000 | 438,019,000 | 436,173,000 |