Call reports 2007
WEBSTER FIVE CENTS SAVINGS BANK — 2007
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 487,225,000 | 495,205,000 | 486,629,000 | 481,232,000 |
| Total loans | 323,952,000 | 330,731,000 | 329,999,000 | 330,865,000 |
| Allowance for loan losses | 4,182,000 | 4,225,000 | 4,193,000 | 4,200,000 |
| Securities available for sale | 130,235,000 | 129,628,000 | 121,795,000 | 115,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,151,000 | 358,230,000 | 358,200,000 | 354,527,000 |
| Interest-bearing deposits | 300,190,000 | 306,636,000 | 309,445,000 | 305,249,000 |
| Noninterest-bearing deposits | 49,961,000 | 51,594,000 | 48,755,000 | 49,278,000 |
| Equity capital | 63,928,000 | 63,805,000 | 64,760,000 | 64,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,699,000 | 13,622,000 | 20,536,000 | 27,444,000 |
| Interest expense | 2,691,000 | 5,573,000 | 8,524,000 | 11,429,000 |
| Net interest income | 4,008,000 | 8,049,000 | 12,012,000 | 16,015,000 |
| Noninterest income | 1,027,000 | 2,152,000 | 3,364,000 | 4,960,000 |
| Noninterest expense | 3,757,000 | 7,875,000 | 11,934,000 | 16,314,000 |
| Provision for loan losses | 128,000 | 191,000 | 220,000 | 257,000 |
| Pretax income | 1,190,000 | 2,205,000 | 3,383,000 | 4,638,000 |
| Income tax | 316,000 | 580,000 | 929,000 | 914,000 |
| Net income | 874,000 | 1,625,000 | 2,454,000 | 3,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,556,000 | 63,306,000 | 64,136,000 | 64,128,000 |
| Total capital | 67,625,000 | 68,297,000 | 68,704,000 | 68,328,000 |
| Risk-weighted assets | 339,687,000 | 345,592,000 | 344,175,000 | 347,383,000 |