Call reports 2010
WATERFORD BANK, NA — 2010
What WATERFORD BANK, NA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 227,621,000 | 282,134,000 | 296,492,000 | 313,518,000 |
| Total loans | 171,515,000 | 183,527,000 | 195,149,000 | 208,109,000 |
| Allowance for loan losses | 2,196,000 | 2,346,000 | 2,490,000 | 2,650,000 |
| Securities available for sale | 23,091,000 | 48,370,000 | 64,200,000 | 72,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,215,000 | 248,719,000 | 261,858,000 | 273,386,000 |
| Interest-bearing deposits | 174,657,000 | 227,337,000 | 240,315,000 | 248,864,000 |
| Noninterest-bearing deposits | 20,558,000 | 21,382,000 | 21,543,000 | 24,522,000 |
| Equity capital | 31,765,000 | 32,409,000 | 33,093,000 | 33,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,867,000 | 5,899,000 | 9,127,000 | 12,480,000 |
| Interest expense | 494,000 | 1,103,000 | 1,800,000 | 2,495,000 |
| Net interest income | 2,373,000 | 4,796,000 | 7,327,000 | 9,985,000 |
| Noninterest income | 113,000 | 257,000 | 437,000 | 886,000 |
| Noninterest expense | 1,628,000 | 3,381,000 | 5,267,000 | 7,344,000 |
| Provision for loan losses | 165,000 | 315,000 | 459,000 | 619,000 |
| Pretax income | 693,000 | 1,387,000 | 2,166,000 | 3,050,000 |
| Income tax | 237,000 | 471,000 | 733,000 | 1,018,000 |
| Net income | 456,000 | 916,000 | 1,433,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,002,000 | 31,131,000 | 31,642,000 | 33,401,000 |
| Total capital | 33,198,000 | 33,477,000 | 34,132,000 | 36,051,000 |
| Risk-weighted assets | 179,745,000 | 198,209,000 | 209,698,000 | 218,659,000 |