Call reports 2012
WESTFIELD BANK, FSB — 2012
What WESTFIELD BANK, FSB 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 | 595,080,000 | 591,549,000 | 582,889,000 | 791,697,000 |
| Total loans | 386,778,000 | 402,092,000 | 407,953,000 | 550,774,000 |
| Allowance for loan losses | 6,956,000 | 7,154,000 | 7,035,000 | 7,066,000 |
| Securities available for sale | 175,884,000 | 160,042,000 | 147,357,000 | 193,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 764,000 | 817,000 | 821,000 | 742,000 |
| Total deposits | 474,195,000 | 479,364,000 | 468,074,000 | 654,934,000 |
| Interest-bearing deposits | 411,341,000 | 415,075,000 | 401,018,000 | 535,902,000 |
| Noninterest-bearing deposits | 62,854,000 | 64,289,000 | 67,056,000 | 119,032,000 |
| Equity capital | 54,422,000 | 55,660,000 | 57,338,000 | 84,632,000 |
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 | 5,904,000 | 11,711,000 | 17,543,000 | 24,214,000 |
| Interest expense | 1,553,000 | 3,060,000 | 4,468,000 | 5,895,000 |
| Net interest income | 4,351,000 | 8,651,000 | 13,075,000 | 18,319,000 |
| Noninterest income | 771,000 | 1,764,000 | 2,986,000 | 4,087,000 |
| Noninterest expense | 3,435,000 | 6,971,000 | 11,027,000 | 16,883,000 |
| Provision for loan losses | 215,000 | 662,000 | 892,000 | 924,000 |
| Pretax income | 1,472,000 | 2,782,000 | 4,181,000 | 4,638,000 |
| Income tax | 390,000 | 717,000 | 1,079,000 | 1,424,000 |
| Net income | 1,082,000 | 2,065,000 | 3,102,000 | 3,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,415,000 | 52,398,000 | 53,434,000 | 73,664,000 |
| Total capital | 56,823,000 | 58,038,000 | 59,119,000 | 80,730,000 |
| Risk-weighted assets | 430,305,000 | 448,959,000 | 453,495,000 | 605,668,000 |