Net income at Waterbury-based Webster Bank dropped to $35.5 million in the second quarter from $43.1 million at the same time last year. The bank’s diluted common share also went down to 63 cents from 81 cents at the same time in 2006. Total revenue at the bank, however, reached a record quarterly level of $194.3 million in the second quarter compared to $183.9 million last year.