Call reports 2012
WEBSTER FIVE CENTS SAVINGS BANK — 2012
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 560,786,000 | 561,434,000 | 562,631,000 | 564,955,000 |
| Total loans | 336,162,000 | 350,865,000 | 347,674,000 | 340,414,000 |
| Allowance for loan losses | 4,086,000 | 4,353,000 | 4,279,000 | 4,036,000 |
| Securities available for sale | 165,065,000 | 168,469,000 | 174,601,000 | 176,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,812,000 | 460,377,000 | 460,383,000 | 465,401,000 |
| Interest-bearing deposits | 390,787,000 | 384,834,000 | 382,002,000 | 386,386,000 |
| Noninterest-bearing deposits | 78,025,000 | 75,543,000 | 78,381,000 | 79,015,000 |
| Equity capital | 70,460,000 | 71,037,000 | 73,912,000 | 75,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,885,000 | 11,621,000 | 17,265,000 | 22,868,000 |
| Interest expense | 985,000 | 1,771,000 | 2,506,000 | 3,218,000 |
| Net interest income | 4,900,000 | 9,850,000 | 14,759,000 | 19,650,000 |
| Noninterest income | 1,214,000 | 2,483,000 | 3,674,000 | 4,850,000 |
| Noninterest expense | 4,770,000 | 9,719,000 | 14,518,000 | 19,049,000 |
| Provision for loan losses | 440,000 | 841,000 | 704,000 | 624,000 |
| Pretax income | 1,364,000 | 1,978,000 | 3,353,000 | 4,882,000 |
| Income tax | 208,000 | 283,000 | 626,000 | 1,031,000 |
| Net income | 1,156,000 | 1,695,000 | 2,727,000 | 3,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,648,000 | 65,848,000 | 67,781,000 | 69,634,000 |
| Total capital | 70,734,000 | 70,201,000 | 72,060,000 | 73,670,000 |
| Risk-weighted assets | 381,405,000 | 394,926,000 | 395,655,000 | 376,550,000 |