Call reports 2013
WATERFORD BANK, NA — 2013
What WATERFORD BANK, NA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 425,159,000 | 435,751,000 | 454,054,000 | 449,756,000 |
| Total loans | 310,224,000 | 312,382,000 | 314,703,000 | 334,174,000 |
| Allowance for loan losses | 4,128,000 | 4,151,000 | 4,045,000 | 4,302,000 |
| Securities available for sale | 70,746,000 | 68,799,000 | 70,246,000 | 65,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,663,000 | 391,201,000 | 407,291,000 | 403,059,000 |
| Interest-bearing deposits | 320,066,000 | 321,264,000 | 336,112,000 | 324,894,000 |
| Noninterest-bearing deposits | 60,597,000 | 69,937,000 | 71,179,000 | 78,165,000 |
| Equity capital | 42,223,000 | 42,456,000 | 43,705,000 | 44,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,173,000 | 8,282,000 | 12,557,000 | 16,835,000 |
| Interest expense | 395,000 | 773,000 | 1,147,000 | 1,505,000 |
| Net interest income | 3,778,000 | 7,509,000 | 11,410,000 | 15,330,000 |
| Noninterest income | 783,000 | 1,760,000 | 2,721,000 | 3,397,000 |
| Noninterest expense | 2,863,000 | 5,863,000 | 9,032,000 | 12,142,000 |
| Provision for loan losses | 192,000 | 215,000 | 115,000 | 372,000 |
| Pretax income | 1,506,000 | 3,255,000 | 5,048,000 | 6,277,000 |
| Income tax | 498,000 | 1,069,000 | 1,661,000 | 2,126,000 |
| Net income | 1,008,000 | 2,186,000 | 3,387,000 | 4,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,659,000 | 42,849,000 | 44,068,000 | 44,860,000 |
| Total capital | 45,787,000 | 47,000,000 | 48,113,000 | 49,162,000 |
| Risk-weighted assets | 334,867,000 | 336,697,000 | 352,599,000 | 368,102,000 |