Call reports 2022
WATERFORD BANK, NA — 2022
What WATERFORD BANK, NA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,551,763,000 | 1,589,118,000 | 1,601,766,000 | 1,561,553,000 |
| Total loans | 998,160,000 | 1,133,163,000 | 1,133,682,000 | 1,138,093,000 |
| Allowance for loan losses | 13,342,000 | 13,705,000 | 12,910,000 | 12,761,000 |
| Securities available for sale | 360,110,000 | 379,140,000 | 351,807,000 | 345,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,421,111,000 | 1,445,063,000 | 1,417,771,000 | 1,338,559,000 |
| Interest-bearing deposits | 1,055,822,000 | 1,085,119,000 | 1,073,654,000 | 1,023,497,000 |
| Noninterest-bearing deposits | 365,289,000 | 359,944,000 | 344,117,000 | 315,062,000 |
| Equity capital | 121,577,000 | 115,622,000 | 113,493,000 | 119,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,965,000 | 25,317,000 | 41,135,000 | 58,123,000 |
| Interest expense | 677,000 | 1,749,000 | 4,630,000 | 9,398,000 |
| Net interest income | 11,288,000 | 23,568,000 | 36,505,000 | 48,725,000 |
| Noninterest income | 1,232,000 | 2,410,000 | 3,876,000 | 4,773,000 |
| Noninterest expense | 6,855,000 | 13,980,000 | 21,588,000 | 28,998,000 |
| Provision for loan losses | 256,000 | 619,000 | 768,000 | 792,000 |
| Pretax income | 5,409,000 | 11,379,000 | 18,025,000 | 23,708,000 |
| Income tax | 1,058,000 | 2,223,000 | 3,513,000 | 4,547,000 |
| Net income | 4,351,000 | 9,156,000 | 14,512,000 | 19,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,519,000 | 126,381,000 | 140,294,000 | 144,605,000 |
| Total capital | 135,861,000 | 140,086,000 | 153,203,000 | 157,366,000 |
| Risk-weighted assets | 1,183,371,000 | 1,343,904,000 | 1,322,244,000 | 1,322,335,000 |