Call reports 2021
WATERFORD BANK, NA — 2021
What WATERFORD BANK, NA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,497,703,000 | 1,514,370,000 | 1,512,471,000 | 1,532,949,000 |
| Total loans | 1,025,491,000 | 975,926,000 | 947,882,000 | 978,683,000 |
| Allowance for loan losses | 12,486,000 | 13,216,000 | 13,732,000 | 14,932,000 |
| Securities available for sale | 108,730,000 | 138,340,000 | 193,197,000 | 299,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,366,096,000 | 1,377,576,000 | 1,373,420,000 | 1,393,946,000 |
| Interest-bearing deposits | 986,571,000 | 996,864,000 | 1,010,787,000 | 1,023,812,000 |
| Noninterest-bearing deposits | 379,525,000 | 380,712,000 | 362,633,000 | 370,134,000 |
| Equity capital | 125,517,000 | 129,772,000 | 131,896,000 | 133,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,709,000 | 24,228,000 | 36,287,000 | 48,699,000 |
| Interest expense | 782,000 | 1,508,000 | 2,201,000 | 2,882,000 |
| Net interest income | 10,927,000 | 22,720,000 | 34,086,000 | 45,817,000 |
| Noninterest income | 1,698,000 | 3,388,000 | 4,930,000 | 6,231,000 |
| Noninterest expense | 6,434,000 | 13,663,000 | 20,981,000 | 28,148,000 |
| Provision for loan losses | 809,000 | 1,540,000 | 2,157,000 | 3,357,000 |
| Pretax income | 5,382,000 | 10,908,000 | 15,881,000 | 20,546,000 |
| Income tax | 1,025,000 | 2,139,000 | 3,145,000 | 4,031,000 |
| Net income | 4,357,000 | 8,769,000 | 12,736,000 | 16,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,031,000 | 112,862,000 | 115,850,000 | 118,716,000 |
| Total capital | 121,195,000 | 125,560,000 | 129,085,000 | 132,864,000 |
| Risk-weighted assets | 972,811,000 | 1,015,356,000 | 1,058,325,000 | 1,131,090,000 |