Call reports 2015
WEBSTER FIVE CENTS SAVINGS BANK — 2015
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 673,162,000 | 675,346,000 | 696,513,000 | 728,916,000 |
| Total loans | 495,816,000 | 497,792,000 | 532,175,000 | 567,047,000 |
| Allowance for loan losses | 6,075,000 | 5,469,000 | 5,879,000 | 5,905,000 |
| Securities available for sale | 132,726,000 | 131,358,000 | 125,537,000 | 119,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,353,000 | 500,923,000 | 504,965,000 | 545,583,000 |
| Interest-bearing deposits | 387,471,000 | 396,384,000 | 396,556,000 | 425,877,000 |
| Noninterest-bearing deposits | 98,882,000 | 104,539,000 | 108,409,000 | 119,706,000 |
| Equity capital | 85,528,000 | 85,014,000 | 86,162,000 | 87,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,082,000 | 12,439,000 | 18,884,000 | 25,813,000 |
| Interest expense | 426,000 | 949,000 | 1,480,000 | 2,063,000 |
| Net interest income | 5,656,000 | 11,490,000 | 17,404,000 | 23,750,000 |
| Noninterest income | 1,470,000 | 3,050,000 | 5,463,000 | 6,510,000 |
| Noninterest expense | 5,328,000 | 10,854,000 | 16,349,000 | 22,073,000 |
| Provision for loan losses | 787,000 | 939,000 | 1,289,000 | 1,384,000 |
| Pretax income | 988,000 | 2,702,000 | 4,067,000 | 5,679,000 |
| Income tax | 184,000 | 630,000 | 1,024,000 | 1,381,000 |
| Net income | 804,000 | 2,072,000 | 3,043,000 | 4,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,143,000 | 82,497,000 | 82,737,000 | 85,128,000 |
| Total capital | 88,050,000 | 87,966,000 | 88,616,000 | 91,033,000 |
| Risk-weighted assets | 472,412,000 | 515,295,000 | 522,200,000 | 553,310,000 |