Call reports 2015
WATERFORD BANK, NA — 2015
What WATERFORD BANK, NA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 475,020,000 | 511,040,000 | 551,168,000 | 521,108,000 |
| Total loans | 386,117,000 | 385,422,000 | 401,017,000 | 429,376,000 |
| Allowance for loan losses | 4,504,000 | 4,494,000 | 4,659,000 | 5,014,000 |
| Securities available for sale | 46,200,000 | 45,135,000 | 44,910,000 | 40,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,502,000 | 457,450,000 | 495,481,000 | 449,856,000 |
| Interest-bearing deposits | 336,551,000 | 368,032,000 | 402,537,000 | 348,211,000 |
| Noninterest-bearing deposits | 75,951,000 | 89,418,000 | 92,944,000 | 101,645,000 |
| Equity capital | 50,614,000 | 51,811,000 | 53,215,000 | 54,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,483,000 | 9,223,000 | 14,051,000 | 18,956,000 |
| Interest expense | 358,000 | 724,000 | 1,124,000 | 1,519,000 |
| Net interest income | 4,125,000 | 8,499,000 | 12,927,000 | 17,437,000 |
| Noninterest income | 699,000 | 1,673,000 | 2,673,000 | 3,574,000 |
| Noninterest expense | 3,244,000 | 6,630,000 | 10,046,000 | 13,661,000 |
| Provision for loan losses | 103,000 | 89,000 | 250,000 | 506,000 |
| Pretax income | 1,478,000 | 3,454,000 | 5,305,000 | 6,845,000 |
| Income tax | 484,000 | 1,112,000 | 1,697,000 | 2,192,000 |
| Net income | 994,000 | 2,342,000 | 3,608,000 | 4,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,446,000 | 51,806,000 | 53,083,000 | 54,141,000 |
| Total capital | 54,950,000 | 56,300,000 | 57,742,000 | 59,155,000 |
| Risk-weighted assets | 457,795,000 | 467,453,000 | 476,434,000 | 494,669,000 |
Machine access — free, no API key
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