Call reports 2008
WEBSTER FIVE CENTS SAVINGS BANK — 2008
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 512,109,000 | 545,089,000 | 548,980,000 | 543,977,000 |
| Total loans | 336,903,000 | 361,623,000 | 371,934,000 | 379,379,000 |
| Allowance for loan losses | 4,196,000 | 4,326,000 | 4,589,000 | 5,358,000 |
| Securities available for sale | 137,180,000 | 126,510,000 | 129,867,000 | 124,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,597,000 | 395,583,000 | 410,794,000 | 400,025,000 |
| Interest-bearing deposits | 306,411,000 | 344,421,000 | 361,129,000 | 351,141,000 |
| Noninterest-bearing deposits | 54,186,000 | 51,162,000 | 49,665,000 | 48,884,000 |
| Equity capital | 65,771,000 | 63,123,000 | 58,925,000 | 54,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,184,000 | 14,158,000 | 21,701,000 | 28,943,000 |
| Interest expense | 2,709,000 | 5,259,000 | 8,059,000 | 10,743,000 |
| Net interest income | 4,475,000 | 8,899,000 | 13,642,000 | 18,200,000 |
| Noninterest income | 1,164,000 | 2,192,000 | 3,939,000 | 5,618,000 |
| Noninterest expense | 4,071,000 | 8,488,000 | 12,576,000 | 18,014,000 |
| Provision for loan losses | 50,000 | 207,000 | 507,000 | 1,336,000 |
| Pretax income | 1,546,000 | 1,692,000 | 181,000 | -7,692,000 |
| Income tax | 356,000 | 412,000 | 714,000 | -1,126,000 |
| Net income | 1,190,000 | 1,280,000 | -533,000 | -6,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,501,000 | 63,785,000 | 60,010,000 | 57,790,000 |
| Total capital | 67,697,000 | 68,111,000 | 64,599,000 | 62,684,000 |
| Risk-weighted assets | 364,110,000 | 379,998,000 | 389,328,000 | 391,043,000 |