Call reports 2018
WATERFORD BANK, NA — 2018
What WATERFORD BANK, NA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 681,644,000 | 672,294,000 | 718,598,000 | 729,154,000 |
| Total loans | 533,630,000 | 550,898,000 | 575,279,000 | 595,256,000 |
| Allowance for loan losses | 6,249,000 | 6,429,000 | 6,731,000 | 6,971,000 |
| Securities available for sale | 57,677,000 | 54,761,000 | 52,573,000 | 49,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,165,000 | 597,725,000 | 641,197,000 | 648,523,000 |
| Interest-bearing deposits | 478,844,000 | 476,403,000 | 519,085,000 | 534,099,000 |
| Noninterest-bearing deposits | 131,321,000 | 121,322,000 | 122,112,000 | 114,424,000 |
| Equity capital | 67,982,000 | 70,418,000 | 72,667,000 | 75,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,142,000 | 14,728,000 | 22,782,000 | 31,201,000 |
| Interest expense | 787,000 | 1,794,000 | 3,069,000 | 4,608,000 |
| Net interest income | 6,355,000 | 12,934,000 | 19,713,000 | 26,593,000 |
| Noninterest income | 961,000 | 2,004,000 | 2,947,000 | 3,843,000 |
| Noninterest expense | 4,202,000 | 8,408,000 | 12,759,000 | 17,153,000 |
| Provision for loan losses | 130,000 | 310,000 | 612,000 | 852,000 |
| Pretax income | 2,984,000 | 6,220,000 | 9,289,000 | 12,431,000 |
| Income tax | 563,000 | 1,204,000 | 1,816,000 | 2,428,000 |
| Net income | 2,421,000 | 5,016,000 | 7,473,000 | 10,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,977,000 | 71,595,000 | 74,074,000 | 76,626,000 |
| Total capital | 75,226,000 | 78,024,000 | 80,805,000 | 83,597,000 |
| Risk-weighted assets | 604,208,000 | 619,122,000 | 642,037,000 | 665,813,000 |