Call reports 2024
WATERFORD BANK, NA — 2024
What WATERFORD BANK, NA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,737,709,000 | 1,762,654,000 | 1,765,005,000 | 1,688,520,000 |
| Total loans | 1,321,790,000 | 1,363,411,000 | 1,328,430,000 | 1,308,890,000 |
| Allowance for loan losses | 14,799,000 | 15,216,000 | 15,357,000 | 20,024,000 |
| Securities available for sale | 317,881,000 | 311,037,000 | 311,623,000 | 298,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,532,063,000 | 1,537,741,000 | 1,542,861,000 | 1,498,473,000 |
| Interest-bearing deposits | 1,279,163,000 | 1,273,792,000 | 1,282,606,000 | 1,223,316,000 |
| Noninterest-bearing deposits | 252,900,000 | 263,949,000 | 260,255,000 | 275,157,000 |
| Equity capital | 139,900,000 | 142,319,000 | 154,023,000 | 146,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 21,918,000 | 44,921,000 | 69,263,000 | 92,267,000 |
| Interest expense | 11,686,000 | 23,673,000 | 35,759,000 | 46,172,000 |
| Net interest income | 10,232,000 | 21,248,000 | 33,504,000 | 46,095,000 |
| Noninterest income | 1,033,000 | 2,076,000 | 3,371,000 | 4,338,000 |
| Noninterest expense | 7,120,000 | 14,397,000 | 21,834,000 | 29,490,000 |
| Provision for loan losses | 416,000 | 916,000 | 1,057,000 | 5,710,000 |
| Pretax income | 3,729,000 | 8,031,000 | 14,017,000 | 15,236,000 |
| Income tax | 668,000 | 1,469,000 | 2,624,000 | 2,762,000 |
| Net income | 3,061,000 | 6,562,000 | 11,393,000 | 12,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,502,000 | 162,270,000 | 164,669,000 | 163,074,000 |
| Total capital | 175,641,000 | 177,806,000 | 180,336,000 | 181,956,000 |
| Risk-weighted assets | 1,526,943,000 | 1,563,016,000 | 1,537,913,000 | 1,509,109,000 |