Call reports 2003
WEBSTER FIVE CENTS SAVINGS BANK — 2003
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 405,382,000 | 407,154,000 | 419,964,000 | 424,499,000 |
| Total loans | 239,830,000 | 238,018,000 | 254,855,000 | 262,470,000 |
| Allowance for loan losses | 2,595,000 | 2,681,000 | 2,781,000 | 2,872,000 |
| Securities available for sale | 136,913,000 | 137,364,000 | 131,968,000 | 132,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,909,000 | 315,604,000 | 321,951,000 | 319,276,000 |
| Interest-bearing deposits | 277,525,000 | 275,173,000 | 281,111,000 | 278,093,000 |
| Noninterest-bearing deposits | 38,384,000 | 40,431,000 | 40,840,000 | 41,183,000 |
| Equity capital | 47,907,000 | 50,268,000 | 50,578,000 | 52,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,323,000 | 10,599,000 | 15,639,000 | 20,814,000 |
| Interest expense | 1,515,000 | 2,871,000 | 4,053,000 | 5,199,000 |
| Net interest income | 3,808,000 | 7,728,000 | 11,586,000 | 15,615,000 |
| Noninterest income | 586,000 | 1,227,000 | 1,853,000 | 2,692,000 |
| Noninterest expense | 3,085,000 | 6,422,000 | 9,540,000 | 13,099,000 |
| Provision for loan losses | 45,000 | 135,000 | 225,000 | 315,000 |
| Pretax income | 1,264,000 | 2,332,000 | 3,628,000 | 5,088,000 |
| Income tax | 322,000 | 587,000 | 925,000 | 1,334,000 |
| Net income | 942,000 | 1,745,000 | 2,703,000 | 3,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,965,000 | 47,286,000 | 48,244,000 | 49,295,000 |
| Total capital | 48,560,000 | 50,072,000 | 51,147,000 | 52,710,000 |
| Risk-weighted assets | 255,278,000 | 255,693,000 | 267,901,000 | 272,906,000 |