Call reports 2005
WEBSTER FIVE CENTS SAVINGS BANK — 2005
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 458,188,000 | 460,640,000 | 461,972,000 | 466,267,000 |
| Total loans | 281,761,000 | 283,952,000 | 286,693,000 | 305,617,000 |
| Allowance for loan losses | 3,074,000 | 3,215,000 | 3,435,000 | 3,707,000 |
| Securities available for sale | 140,720,000 | 144,723,000 | 136,385,000 | 131,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,450,000 | 332,496,000 | 331,326,000 | 324,086,000 |
| Interest-bearing deposits | 283,432,000 | 284,511,000 | 283,169,000 | 274,779,000 |
| Noninterest-bearing deposits | 46,018,000 | 47,985,000 | 48,157,000 | 49,307,000 |
| Equity capital | 55,016,000 | 56,826,000 | 57,511,000 | 58,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,528,000 | 11,230,000 | 17,096,000 | 23,103,000 |
| Interest expense | 1,314,000 | 2,770,000 | 4,326,000 | 5,897,000 |
| Net interest income | 4,214,000 | 8,460,000 | 12,770,000 | 17,206,000 |
| Noninterest income | 830,000 | 2,145,000 | 3,360,000 | 4,424,000 |
| Noninterest expense | 3,451,000 | 7,131,000 | 10,675,000 | 14,498,000 |
| Provision for loan losses | 125,000 | 307,000 | 550,000 | 681,000 |
| Pretax income | 1,489,000 | 3,266,000 | 5,019,000 | 6,451,000 |
| Income tax | 419,000 | 905,000 | 1,415,000 | 1,839,000 |
| Net income | 1,070,000 | 2,361,000 | 3,604,000 | 4,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,232,000 | 55,522,000 | 56,766,000 | 57,774,000 |
| Total capital | 57,975,000 | 59,184,000 | 60,730,000 | 61,962,000 |
| Risk-weighted assets | 296,369,000 | 298,731,000 | 300,799,000 | 314,217,000 |