Call reports 2004
WEBSTER FIVE CENTS SAVINGS BANK — 2004
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 427,445,000 | 433,210,000 | 435,091,000 | 446,403,000 |
| Total loans | 259,409,000 | 266,962,000 | 264,314,000 | 279,438,000 |
| Allowance for loan losses | 2,954,000 | 3,034,000 | 3,098,000 | 2,967,000 |
| Securities available for sale | 132,112,000 | 136,558,000 | 139,962,000 | 135,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,589,000 | 320,274,000 | 322,079,000 | 325,186,000 |
| Interest-bearing deposits | 281,496,000 | 276,524,000 | 280,001,000 | 275,955,000 |
| Noninterest-bearing deposits | 40,093,000 | 43,750,000 | 42,078,000 | 49,231,000 |
| Equity capital | 53,735,000 | 52,420,000 | 54,519,000 | 55,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,135,000 | 10,155,000 | 15,365,000 | 20,819,000 |
| Interest expense | 1,099,000 | 2,158,000 | 3,300,000 | 4,515,000 |
| Net interest income | 4,036,000 | 7,997,000 | 12,065,000 | 16,304,000 |
| Noninterest income | 603,000 | 1,383,000 | 2,258,000 | 2,980,000 |
| Noninterest expense | 3,409,000 | 6,831,000 | 10,109,000 | 13,869,000 |
| Provision for loan losses | 81,000 | 162,000 | 243,000 | 324,000 |
| Pretax income | 1,308,000 | 2,539,000 | 4,005,000 | 5,210,000 |
| Income tax | 343,000 | 651,000 | 1,045,000 | 1,344,000 |
| Net income | 965,000 | 1,888,000 | 2,960,000 | 3,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,260,000 | 51,183,000 | 52,255,000 | 53,161,000 |
| Total capital | 53,740,000 | 54,753,000 | 55,758,000 | 56,945,000 |
| Risk-weighted assets | 271,346,000 | 282,471,000 | 281,381,000 | 291,811,000 |