Call reports 2012
WATERFORD BANK, NA — 2012
What WATERFORD BANK, NA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 366,037,000 | 381,407,000 | 403,636,000 | 439,555,000 |
| Total loans | 247,128,000 | 269,415,000 | 270,695,000 | 292,437,000 |
| Allowance for loan losses | 3,207,000 | 3,551,000 | 3,589,000 | 3,930,000 |
| Securities available for sale | 67,286,000 | 64,031,000 | 59,619,000 | 72,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,615,000 | 339,702,000 | 360,482,000 | 396,478,000 |
| Interest-bearing deposits | 276,509,000 | 289,329,000 | 294,423,000 | 338,798,000 |
| Noninterest-bearing deposits | 50,106,000 | 50,373,000 | 66,059,000 | 57,680,000 |
| Equity capital | 38,344,000 | 39,467,000 | 40,719,000 | 41,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,629,000 | 7,326,000 | 11,245,000 | 15,193,000 |
| Interest expense | 472,000 | 924,000 | 1,349,000 | 1,762,000 |
| Net interest income | 3,157,000 | 6,402,000 | 9,896,000 | 13,431,000 |
| Noninterest income | 653,000 | 2,222,000 | 3,097,000 | 4,148,000 |
| Noninterest expense | 2,400,000 | 5,159,000 | 7,894,000 | 11,003,000 |
| Provision for loan losses | 0 | 500,000 | 543,000 | 884,000 |
| Pretax income | 1,410,000 | 2,965,000 | 4,613,000 | 5,749,000 |
| Income tax | 486,000 | 1,014,000 | 1,575,000 | 2,057,000 |
| Net income | 924,000 | 1,951,000 | 3,038,000 | 3,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,709,000 | 38,788,000 | 39,938,000 | 40,633,000 |
| Total capital | 40,916,000 | 42,339,000 | 43,527,000 | 44,563,000 |
| Risk-weighted assets | 266,049,000 | 295,384,000 | 291,198,000 | 320,414,000 |