Call reports 2015
WESTFIELD BANK, FSB — 2015
What WESTFIELD BANK, FSB 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 | 987,502,000 | 1,023,224,000 | 1,078,277,000 | 1,086,068,000 |
| Total loans | 757,072,000 | 794,631,000 | 823,848,000 | 847,402,000 |
| Allowance for loan losses | 7,749,000 | 7,711,000 | 7,721,000 | 7,748,000 |
| Securities available for sale | 148,454,000 | 136,063,000 | 129,437,000 | 137,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 244,000 | 295,000 | 751,000 | 697,000 |
| Total deposits | 805,727,000 | 792,364,000 | 865,277,000 | 872,939,000 |
| Interest-bearing deposits | 639,786,000 | 613,087,000 | 681,379,000 | 686,405,000 |
| Noninterest-bearing deposits | 165,941,000 | 179,277,000 | 183,898,000 | 186,534,000 |
| Equity capital | 116,563,000 | 118,195,000 | 120,830,000 | 121,644,000 |
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 | 9,505,000 | 19,094,000 | 29,061,000 | 38,778,000 |
| Interest expense | 1,196,000 | 2,423,000 | 3,743,000 | 5,237,000 |
| Net interest income | 8,309,000 | 16,671,000 | 25,318,000 | 33,541,000 |
| Noninterest income | 1,628,000 | 3,177,000 | 4,852,000 | 6,511,000 |
| Noninterest expense | 6,257,000 | 12,802,000 | 19,940,000 | 27,367,000 |
| Provision for loan losses | 24,000 | 96,000 | 6,000 | 9,000 |
| Pretax income | 3,656,000 | 6,950,000 | 10,224,000 | 12,679,000 |
| Income tax | 1,080,000 | 2,021,000 | 2,977,000 | 3,590,000 |
| Net income | 2,576,000 | 4,929,000 | 7,247,000 | 9,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,303,000 | 98,689,000 | 101,041,000 | 102,516,000 |
| Total capital | 104,052,000 | 106,400,000 | 108,762,000 | 110,264,000 |
| Risk-weighted assets | 815,181,000 | 848,944,000 | 870,438,000 | 891,370,000 |