Call reports 2014
WEBSTER FIVE CENTS SAVINGS BANK — 2014
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 555,870,000 | 594,889,000 | 622,995,000 | 630,456,000 |
| Total loans | 381,898,000 | 416,531,000 | 444,467,000 | 455,078,000 |
| Allowance for loan losses | 4,301,000 | 4,837,000 | 5,196,000 | 5,067,000 |
| Securities available for sale | 135,787,000 | 139,542,000 | 139,679,000 | 132,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,147,000 | 435,029,000 | 434,246,000 | 449,566,000 |
| Interest-bearing deposits | 358,560,000 | 346,018,000 | 347,179,000 | 359,283,000 |
| Noninterest-bearing deposits | 89,587,000 | 89,011,000 | 87,067,000 | 90,283,000 |
| Equity capital | 81,197,000 | 83,766,000 | 84,366,000 | 84,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,248,000 | 10,722,000 | 16,528,000 | 22,547,000 |
| Interest expense | 287,000 | 577,000 | 889,000 | 1,212,000 |
| Net interest income | 4,961,000 | 10,145,000 | 15,639,000 | 21,335,000 |
| Noninterest income | 1,552,000 | 2,966,000 | 4,395,000 | 5,604,000 |
| Noninterest expense | 4,818,000 | 9,686,000 | 14,515,000 | 19,575,000 |
| Provision for loan losses | 178,000 | 730,000 | 1,147,000 | 1,209,000 |
| Pretax income | 1,621,000 | 3,212,000 | 4,984,000 | 6,565,000 |
| Income tax | 435,000 | 862,000 | 1,341,000 | 1,723,000 |
| Net income | 1,186,000 | 2,350,000 | 3,643,000 | 4,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,368,000 | 77,761,000 | 79,048,000 | 79,985,000 |
| Total capital | 80,866,000 | 83,253,000 | 84,451,000 | 85,052,000 |
| Risk-weighted assets | 392,375,000 | 409,957,000 | 429,287,000 | 435,915,000 |