Call reports 2014
WATERFORD BANK, NA — 2014
What WATERFORD BANK, NA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 472,688,000 | 458,303,000 | 481,620,000 | 463,118,000 |
| Total loans | 349,017,000 | 354,427,000 | 364,477,000 | 369,026,000 |
| Allowance for loan losses | 4,425,000 | 4,480,000 | 4,599,000 | 4,373,000 |
| Securities available for sale | 63,697,000 | 47,161,000 | 64,911,000 | 51,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,157,000 | 409,604,000 | 431,256,000 | 401,804,000 |
| Interest-bearing deposits | 353,789,000 | 330,389,000 | 362,560,000 | 333,629,000 |
| Noninterest-bearing deposits | 71,368,000 | 79,215,000 | 68,696,000 | 68,175,000 |
| Equity capital | 45,579,000 | 46,831,000 | 47,998,000 | 49,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,402,000 | 8,802,000 | 13,298,000 | 17,864,000 |
| Interest expense | 355,000 | 704,000 | 1,070,000 | 1,431,000 |
| Net interest income | 4,047,000 | 8,098,000 | 12,228,000 | 16,433,000 |
| Noninterest income | 598,000 | 1,338,000 | 2,139,000 | 2,975,000 |
| Noninterest expense | 3,036,000 | 5,993,000 | 9,116,000 | 12,497,000 |
| Provision for loan losses | 174,000 | 309,000 | 348,000 | 166,000 |
| Pretax income | 1,435,000 | 3,155,000 | 4,924,000 | 6,776,000 |
| Income tax | 483,000 | 1,072,000 | 1,675,000 | 2,259,000 |
| Net income | 952,000 | 2,083,000 | 3,249,000 | 4,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,838,000 | 46,982,000 | 48,159,000 | 49,439,000 |
| Total capital | 50,263,000 | 51,462,000 | 52,758,000 | 53,812,000 |
| Risk-weighted assets | 378,858,000 | 386,126,000 | 399,100,000 | 410,342,000 |
Machine access — free, no API key
Every figure shown here about WATERFORD BANK, NA — 2014 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.