Call reports 2023
WATERFORD BANK, NA — 2023
What WATERFORD BANK, NA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,595,627,000 | 1,654,475,000 | 1,658,556,000 | 1,686,991,000 |
| Total loans | 1,173,597,000 | 1,210,194,000 | 1,255,440,000 | 1,280,052,000 |
| Allowance for loan losses | 13,764,000 | 13,783,000 | 14,079,000 | 14,383,000 |
| Securities available for sale | 342,130,000 | 330,081,000 | 315,433,000 | 322,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,340,920,000 | 1,446,434,000 | 1,480,030,000 | 1,444,257,000 |
| Interest-bearing deposits | 1,066,005,000 | 1,180,061,000 | 1,203,515,000 | 1,195,166,000 |
| Noninterest-bearing deposits | 274,915,000 | 266,373,000 | 276,515,000 | 249,091,000 |
| Equity capital | 124,824,000 | 123,283,000 | 123,014,000 | 138,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 17,508,000 | 36,653,000 | 56,996,000 | 78,247,000 |
| Interest expense | 7,129,000 | 16,585,000 | 26,746,000 | 37,539,000 |
| Net interest income | 10,379,000 | 20,068,000 | 30,250,000 | 40,708,000 |
| Noninterest income | 908,000 | 1,886,000 | 2,853,000 | 3,763,000 |
| Noninterest expense | 7,445,000 | 14,762,000 | 22,007,000 | 28,335,000 |
| Provision for loan losses | 108,000 | 114,000 | 410,000 | 564,000 |
| Pretax income | 3,734,000 | 7,108,000 | 10,716,000 | 15,572,000 |
| Income tax | 620,000 | 1,200,000 | 1,824,000 | 2,744,000 |
| Net income | 3,114,000 | 5,908,000 | 8,892,000 | 12,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,534,000 | 147,275,000 | 154,004,000 | 156,587,000 |
| Total capital | 159,638,000 | 161,368,000 | 168,393,000 | 171,310,000 |
| Risk-weighted assets | 1,377,383,000 | 1,425,729,000 | 1,476,226,000 | 1,491,464,000 |
Machine access — free, no API key
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