Call reports 2016
WATERFORD BANK, NA — 2016
What WATERFORD BANK, NA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 537,190,000 | 573,978,000 | 629,549,000 | 625,199,000 |
| Total loans | 440,326,000 | 454,915,000 | 458,049,000 | 470,639,000 |
| Allowance for loan losses | 5,147,000 | 5,307,000 | 5,348,000 | 5,538,000 |
| Securities available for sale | 40,053,000 | 38,290,000 | 37,189,000 | 32,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,657,000 | 499,389,000 | 568,006,000 | 562,305,000 |
| Interest-bearing deposits | 361,422,000 | 388,856,000 | 441,469,000 | 443,927,000 |
| Noninterest-bearing deposits | 93,235,000 | 110,533,000 | 126,537,000 | 118,378,000 |
| Equity capital | 55,753,000 | 57,372,000 | 58,939,000 | 59,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,192,000 | 10,638,000 | 16,368,000 | 21,987,000 |
| Interest expense | 426,000 | 895,000 | 1,424,000 | 2,019,000 |
| Net interest income | 4,766,000 | 9,743,000 | 14,944,000 | 19,968,000 |
| Noninterest income | 812,000 | 1,809,000 | 2,860,000 | 3,840,000 |
| Noninterest expense | 3,462,000 | 7,082,000 | 10,820,000 | 15,142,000 |
| Provision for loan losses | 132,000 | 230,000 | 270,000 | 497,000 |
| Pretax income | 1,984,000 | 4,240,000 | 6,714,000 | 8,169,000 |
| Income tax | 644,000 | 1,382,000 | 2,193,000 | 2,520,000 |
| Net income | 1,340,000 | 2,858,000 | 4,521,000 | 5,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,486,000 | 57,011,000 | 58,680,000 | 59,814,000 |
| Total capital | 60,633,000 | 62,318,000 | 64,027,000 | 65,352,000 |
| Risk-weighted assets | 510,458,000 | 533,099,000 | 529,343,000 | 534,526,000 |