Call reports 2013
WEBSTER FIVE CENTS SAVINGS BANK — 2013
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 550,886,000 | 546,949,000 | 552,499,000 | 552,100,000 |
| Total loans | 342,552,000 | 351,337,000 | 372,998,000 | 376,971,000 |
| Allowance for loan losses | 4,119,000 | 4,377,000 | 4,407,000 | 4,199,000 |
| Securities available for sale | 168,809,000 | 148,380,000 | 137,831,000 | 136,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,161,000 | 436,507,000 | 428,818,000 | 446,192,000 |
| Interest-bearing deposits | 361,401,000 | 348,730,000 | 343,087,000 | 356,848,000 |
| Noninterest-bearing deposits | 86,760,000 | 87,777,000 | 85,731,000 | 89,344,000 |
| Equity capital | 76,688,000 | 75,186,000 | 76,297,000 | 78,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,373,000 | 10,535,000 | 15,691,000 | 21,006,000 |
| Interest expense | 799,000 | 1,161,000 | 1,477,000 | 1,779,000 |
| Net interest income | 4,574,000 | 9,374,000 | 14,214,000 | 19,227,000 |
| Noninterest income | 1,231,000 | 2,444,000 | 3,904,000 | 5,649,000 |
| Noninterest expense | 4,726,000 | 9,560,000 | 14,232,000 | 19,252,000 |
| Provision for loan losses | 87,000 | 430,000 | 577,000 | 805,000 |
| Pretax income | 976,000 | 2,154,000 | 3,620,000 | 4,777,000 |
| Income tax | 214,000 | 430,000 | 818,000 | 997,000 |
| Net income | 762,000 | 1,724,000 | 2,802,000 | 3,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,103,000 | 71,988,000 | 72,978,000 | 74,376,000 |
| Total capital | 75,524,000 | 76,365,000 | 77,385,000 | 78,804,000 |
| Risk-weighted assets | 377,258,000 | 376,007,000 | 388,093,000 | 386,623,000 |