Call reports 2006
WEBSTER FIVE CENTS SAVINGS BANK — 2006
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 476,446,000 | 477,542,000 | 490,623,000 | 485,322,000 |
| Total loans | 307,535,000 | 311,202,000 | 317,589,000 | 322,823,000 |
| Allowance for loan losses | 3,815,000 | 3,926,000 | 4,044,000 | 4,078,000 |
| Securities available for sale | 135,012,000 | 132,538,000 | 136,771,000 | 127,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,720,000 | 351,417,000 | 352,779,000 | 343,687,000 |
| Interest-bearing deposits | 289,000,000 | 299,568,000 | 302,966,000 | 293,290,000 |
| Noninterest-bearing deposits | 48,720,000 | 51,849,000 | 49,813,000 | 50,397,000 |
| Equity capital | 59,111,000 | 58,814,000 | 61,538,000 | 62,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,303,000 | 12,743,000 | 19,505,000 | 26,450,000 |
| Interest expense | 1,918,000 | 4,054,000 | 6,535,000 | 9,145,000 |
| Net interest income | 4,385,000 | 8,689,000 | 12,970,000 | 17,305,000 |
| Noninterest income | 960,000 | 2,214,000 | 3,249,000 | 4,453,000 |
| Noninterest expense | 3,971,000 | 8,070,000 | 11,898,000 | 15,993,000 |
| Provision for loan losses | 141,000 | 279,000 | 430,000 | 498,000 |
| Pretax income | 1,421,000 | 2,993,000 | 4,360,000 | 5,287,000 |
| Income tax | 382,000 | 798,000 | 1,140,000 | 1,379,000 |
| Net income | 1,039,000 | 2,195,000 | 3,220,000 | 3,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,812,000 | 59,968,000 | 60,994,000 | 61,682,000 |
| Total capital | 63,332,000 | 64,109,000 | 65,515,000 | 66,592,000 |
| Risk-weighted assets | 322,601,000 | 327,168,000 | 333,875,000 | 334,939,000 |