Call reports 2011
WATERFORD BANK, NA — 2011
What WATERFORD BANK, NA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 320,178,000 | 351,914,000 | 364,233,000 | 363,909,000 |
| Total loans | 216,481,000 | 236,795,000 | 238,416,000 | 254,359,000 |
| Allowance for loan losses | 2,744,000 | 2,993,000 | 3,008,000 | 3,207,000 |
| Securities available for sale | 67,645,000 | 64,418,000 | 76,754,000 | 70,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,911,000 | 315,237,000 | 325,255,000 | 325,521,000 |
| Interest-bearing deposits | 252,644,000 | 279,011,000 | 276,917,000 | 285,706,000 |
| Noninterest-bearing deposits | 32,267,000 | 36,226,000 | 48,338,000 | 39,815,000 |
| Equity capital | 33,822,000 | 34,997,000 | 36,388,000 | 37,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,285,000 | 6,738,000 | 10,329,000 | 13,990,000 |
| Interest expense | 630,000 | 1,248,000 | 1,854,000 | 2,384,000 |
| Net interest income | 2,655,000 | 5,490,000 | 8,475,000 | 11,606,000 |
| Noninterest income | 294,000 | 819,000 | 1,333,000 | 1,990,000 |
| Noninterest expense | 2,110,000 | 4,206,000 | 6,345,000 | 8,573,000 |
| Provision for loan losses | 94,000 | 395,000 | 410,000 | 609,000 |
| Pretax income | 749,000 | 1,744,000 | 3,089,000 | 4,450,000 |
| Income tax | 245,000 | 563,000 | 1,019,000 | 1,392,000 |
| Net income | 504,000 | 1,181,000 | 2,070,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,979,000 | 34,732,000 | 35,696,000 | 36,734,000 |
| Total capital | 36,723,000 | 37,725,000 | 38,704,000 | 39,941,000 |
| Risk-weighted assets | 229,327,000 | 247,390,000 | 251,557,000 | 266,970,000 |