Call reports 2010
WEBSTER FIVE CENTS SAVINGS BANK — 2010
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 562,111,000 | 557,982,000 | 568,140,000 | 555,120,000 |
| Total loans | 382,662,000 | 381,686,000 | 379,768,000 | 361,825,000 |
| Allowance for loan losses | 5,857,000 | 5,869,000 | 6,609,000 | 4,460,000 |
| Securities available for sale | 123,349,000 | 131,190,000 | 135,478,000 | 133,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,270,000 | 447,236,000 | 461,624,000 | 462,295,000 |
| Interest-bearing deposits | 394,070,000 | 388,029,000 | 400,954,000 | 397,864,000 |
| Noninterest-bearing deposits | 56,200,000 | 59,207,000 | 60,670,000 | 64,431,000 |
| Equity capital | 62,086,000 | 61,604,000 | 65,412,000 | 66,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,903,000 | 13,791,000 | 20,565,000 | 27,360,000 |
| Interest expense | 1,606,000 | 3,185,000 | 4,699,000 | 6,022,000 |
| Net interest income | 5,297,000 | 10,606,000 | 15,866,000 | 21,338,000 |
| Noninterest income | 1,083,000 | 2,898,000 | 4,015,000 | 5,150,000 |
| Noninterest expense | 4,752,000 | 9,913,000 | 14,677,000 | 19,685,000 |
| Provision for loan losses | 173,000 | 306,000 | 1,176,000 | 2,011,000 |
| Pretax income | 1,666,000 | 3,194,000 | 3,631,000 | 4,014,000 |
| Income tax | 448,000 | 829,000 | 781,000 | 712,000 |
| Net income | 1,218,000 | 2,365,000 | 2,850,000 | 3,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,715,000 | 60,180,000 | 63,300,000 | 64,105,000 |
| Total capital | 68,073,000 | 65,294,000 | 68,367,000 | 68,729,000 |
| Risk-weighted assets | 413,668,000 | 408,351,000 | 403,841,000 | 390,660,000 |