Call reports 2017
WATERFORD BANK, NA — 2017
What WATERFORD BANK, NA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 654,077,000 | 687,178,000 | 709,040,000 | 675,112,000 |
| Total loans | 484,012,000 | 500,112,000 | 508,219,000 | 523,276,000 |
| Allowance for loan losses | 5,672,000 | 5,831,000 | 5,949,000 | 6,119,000 |
| Securities available for sale | 35,008,000 | 47,188,000 | 51,749,000 | 58,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,551,000 | 619,783,000 | 638,685,000 | 604,557,000 |
| Interest-bearing deposits | 477,715,000 | 499,342,000 | 517,847,000 | 478,906,000 |
| Noninterest-bearing deposits | 112,836,000 | 120,441,000 | 120,838,000 | 125,651,000 |
| Equity capital | 61,300,000 | 63,220,000 | 65,529,000 | 66,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,911,000 | 12,252,000 | 19,175,000 | 25,986,000 |
| Interest expense | 603,000 | 1,274,000 | 2,036,000 | 2,817,000 |
| Net interest income | 5,308,000 | 10,978,000 | 17,139,000 | 23,169,000 |
| Noninterest income | 921,000 | 1,942,000 | 3,383,000 | 4,689,000 |
| Noninterest expense | 3,936,000 | 7,974,000 | 12,100,000 | 16,652,000 |
| Provision for loan losses | 130,000 | 287,000 | 405,000 | 575,000 |
| Pretax income | 2,163,000 | 4,659,000 | 8,017,000 | 10,631,000 |
| Income tax | 667,000 | 1,201,000 | 2,278,000 | 4,055,000 |
| Net income | 1,496,000 | 3,458,000 | 5,739,000 | 6,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,325,000 | 63,302,000 | 65,597,000 | 66,533,000 |
| Total capital | 66,997,000 | 69,133,000 | 71,546,000 | 72,652,000 |
| Risk-weighted assets | 563,174,000 | 578,890,000 | 588,169,000 | 602,318,000 |