Call reports 2002
WEBSTER FIVE CENTS SAVINGS BANK — 2002
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 379,799,000 | 386,583,000 | 385,170,000 | 393,664,000 |
| Total loans | 221,256,000 | 236,214,000 | 239,234,000 | 236,842,000 |
| Allowance for loan losses | 2,312,000 | 2,366,000 | 2,436,000 | 2,503,000 |
| Securities available for sale | 120,631,000 | 118,850,000 | 109,401,000 | 117,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,121,000 | 297,367,000 | 290,178,000 | 298,295,000 |
| Interest-bearing deposits | 255,307,000 | 261,380,000 | 253,784,000 | 261,422,000 |
| Noninterest-bearing deposits | 36,814,000 | 35,987,000 | 36,394,000 | 36,873,000 |
| Equity capital | 43,447,000 | 45,368,000 | 46,455,000 | 47,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,516,000 | 11,294,000 | 16,981,000 | 22,448,000 |
| Interest expense | 1,817,000 | 3,640,000 | 5,383,000 | 7,004,000 |
| Net interest income | 3,699,000 | 7,654,000 | 11,598,000 | 15,444,000 |
| Noninterest income | 491,000 | 1,071,000 | 1,689,000 | 2,160,000 |
| Noninterest expense | 2,981,000 | 6,036,000 | 9,027,000 | 12,161,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,147,000 | 2,447,000 | 3,951,000 | 4,902,000 |
| Income tax | 310,000 | 740,000 | 1,122,000 | 1,349,000 |
| Net income | 837,000 | 1,707,000 | 2,829,000 | 3,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,825,000 | 43,486,000 | 43,955,000 | 45,250,000 |
| Total capital | 45,293,000 | 45,852,000 | 46,391,000 | 47,753,000 |
| Risk-weighted assets | 248,423,000 | 260,794,000 | 246,512,000 | 248,950,000 |