Call reports 2009
WATERFORD BANK, NA — 2009
What WATERFORD BANK, NA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 157,420,000 | 174,372,000 | 191,857,000 | 211,971,000 |
| Total loans | 109,998,000 | 123,076,000 | 137,016,000 | 158,044,000 |
| Allowance for loan losses | 1,376,000 | 1,540,000 | 1,713,000 | 2,031,000 |
| Securities available for sale | 23,161,000 | 27,358,000 | 29,088,000 | 23,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,332,000 | 144,854,000 | 162,319,000 | 172,178,000 |
| Interest-bearing deposits | 120,281,000 | 130,586,000 | 145,374,000 | 154,744,000 |
| Noninterest-bearing deposits | 15,051,000 | 14,268,000 | 16,945,000 | 17,434,000 |
| Equity capital | 21,336,000 | 28,726,000 | 29,013,000 | 31,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,290,000 | 5,236,000 | 7,881,000 |
| Interest expense | 523,000 | 1,049,000 | 1,563,000 | 2,055,000 |
| Net interest income | 1,018,000 | 2,241,000 | 3,673,000 | 5,826,000 |
| Noninterest income | 70,000 | 145,000 | 286,000 | 832,000 |
| Noninterest expense | 1,247,000 | 2,569,000 | 3,855,000 | 5,347,000 |
| Provision for loan losses | 96,000 | 260,000 | 433,000 | 751,000 |
| Pretax income | -255,000 | -443,000 | -329,000 | 560,000 |
| Income tax | 0 | 0 | 0 | -1,389,000 |
| Net income | -255,000 | -443,000 | -329,000 | 1,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,112,000 | 28,482,000 | 28,656,000 | 30,382,000 |
| Total capital | 22,488,000 | 30,022,000 | 30,369,000 | 32,413,000 |
| Risk-weighted assets | 122,457,000 | 134,364,000 | 156,670,000 | 168,935,000 |