Call reports 2011
WEBSTER FIVE CENTS SAVINGS BANK — 2011
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 551,750,000 | 553,842,000 | 563,504,000 | 558,872,000 |
| Total loans | 360,335,000 | 347,100,000 | 347,585,000 | 335,259,000 |
| Allowance for loan losses | 4,591,000 | 4,209,000 | 4,269,000 | 3,969,000 |
| Securities available for sale | 143,773,000 | 145,861,000 | 166,026,000 | 172,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,985,000 | 465,671,000 | 475,569,000 | 465,415,000 |
| Interest-bearing deposits | 397,662,000 | 400,117,000 | 405,787,000 | 395,983,000 |
| Noninterest-bearing deposits | 66,323,000 | 65,554,000 | 69,782,000 | 69,432,000 |
| Equity capital | 67,278,000 | 67,528,000 | 66,855,000 | 68,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,341,000 | 12,760,000 | 19,259,000 | 25,438,000 |
| Interest expense | 1,220,000 | 2,332,000 | 3,376,000 | 4,340,000 |
| Net interest income | 5,121,000 | 10,428,000 | 15,883,000 | 21,098,000 |
| Noninterest income | 1,301,000 | 2,578,000 | 3,789,000 | 5,030,000 |
| Noninterest expense | 4,925,000 | 10,114,000 | 14,969,000 | 19,768,000 |
| Provision for loan losses | 1,157,000 | 3,340,000 | 3,988,000 | 3,937,000 |
| Pretax income | 449,000 | 482,000 | 1,784,000 | 3,073,000 |
| Income tax | -79,000 | -608,000 | -450,000 | -306,000 |
| Net income | 528,000 | 1,090,000 | 2,234,000 | 3,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,451,000 | 65,641,000 | 63,522,000 | 65,175,000 |
| Total capital | 69,367,000 | 69,852,000 | 67,791,000 | 69,144,000 |
| Risk-weighted assets | 385,885,000 | 378,387,000 | 382,835,000 | 381,325,000 |