Call reports 2016
WEBSTER FIVE CENTS SAVINGS BANK — 2016
What WEBSTER FIVE CENTS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 730,287,000 | 740,518,000 | 745,858,000 | 765,243,000 |
| Total loans | 565,065,000 | 570,593,000 | 581,911,000 | 600,067,000 |
| Allowance for loan losses | 6,090,000 | 6,146,000 | 6,135,000 | 6,360,000 |
| Securities available for sale | 123,414,000 | 125,968,000 | 119,094,000 | 120,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,460,000 | 518,827,000 | 543,751,000 | 549,950,000 |
| Interest-bearing deposits | 425,060,000 | 413,251,000 | 429,550,000 | 432,922,000 |
| Noninterest-bearing deposits | 109,400,000 | 105,576,000 | 114,201,000 | 117,028,000 |
| Equity capital | 88,945,000 | 91,889,000 | 93,007,000 | 92,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,779,000 | 13,507,000 | 20,352,000 | 27,286,000 |
| Interest expense | 770,000 | 1,366,000 | 2,032,000 | 2,666,000 |
| Net interest income | 6,009,000 | 12,141,000 | 18,320,000 | 24,620,000 |
| Noninterest income | 1,062,000 | 2,205,000 | 3,575,000 | 4,749,000 |
| Noninterest expense | 5,675,000 | 11,384,000 | 16,887,000 | 22,122,000 |
| Provision for loan losses | 247,000 | 385,000 | 465,000 | 753,000 |
| Pretax income | 1,474,000 | 2,943,000 | 4,780,000 | 6,556,000 |
| Income tax | 387,000 | 778,000 | 1,286,000 | 1,797,000 |
| Net income | 1,087,000 | 2,165,000 | 3,494,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,923,000 | 88,501,000 | 89,917,000 | 91,301,000 |
| Total capital | 93,013,000 | 94,647,000 | 96,052,000 | 97,902,000 |
| Risk-weighted assets | 554,550,000 | 575,981,000 | 578,369,000 | 595,002,000 |