Call reports 2019
WATERFORD BANK, NA — 2019
What WATERFORD BANK, NA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 747,800,000 | 761,433,000 | 795,528,000 | 772,547,000 |
| Total loans | 597,495,000 | 620,761,000 | 624,165,000 | 634,204,000 |
| Allowance for loan losses | 6,990,000 | 7,263,000 | 7,283,000 | 7,502,000 |
| Securities available for sale | 50,055,000 | 49,274,000 | 43,301,000 | 42,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 664,562,000 | 653,897,000 | 704,426,000 | 679,969,000 |
| Interest-bearing deposits | 542,980,000 | 529,295,000 | 582,325,000 | 558,975,000 |
| Noninterest-bearing deposits | 121,582,000 | 124,602,000 | 122,101,000 | 120,994,000 |
| Equity capital | 78,960,000 | 81,968,000 | 84,717,000 | 86,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,651,000 | 17,470,000 | 26,445,000 | 34,976,000 |
| Interest expense | 1,756,000 | 3,595,000 | 5,539,000 | 7,316,000 |
| Net interest income | 6,895,000 | 13,875,000 | 20,906,000 | 27,660,000 |
| Noninterest income | 836,000 | 1,868,000 | 2,938,000 | 4,071,000 |
| Noninterest expense | 4,516,000 | 9,376,000 | 14,285,000 | 19,154,000 |
| Provision for loan losses | 19,000 | 292,000 | 312,000 | 531,000 |
| Pretax income | 3,196,000 | 6,075,000 | 9,328,000 | 12,127,000 |
| Income tax | 574,000 | 1,117,000 | 1,740,000 | 2,270,000 |
| Net income | 2,622,000 | 4,958,000 | 7,588,000 | 9,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,274,000 | 81,636,000 | 84,292,000 | 86,585,000 |
| Total capital | 86,264,000 | 88,899,000 | 91,575,000 | 94,087,000 |
| Risk-weighted assets | 659,328,000 | 686,919,000 | 698,654,000 | 726,686,000 |