Call reports 2025
WATERFORD BANK, NA — 2025
What WATERFORD BANK, NA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,766,198,000 | 1,729,385,000 | 1,758,409,000 | 1,706,864,000 |
| Total loans | 1,320,223,000 | 1,353,050,000 | 1,383,493,000 | 1,346,691,000 |
| Allowance for loan losses | 14,629,000 | 15,393,000 | 16,139,000 | 16,718,000 |
| Securities available for sale | 293,523,000 | 291,889,000 | 284,576,000 | 280,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,568,310,000 | 1,510,749,000 | 1,546,374,000 | 1,490,313,000 |
| Interest-bearing deposits | 1,299,596,000 | 1,234,190,000 | 1,277,242,000 | 1,221,351,000 |
| Noninterest-bearing deposits | 268,714,000 | 276,559,000 | 269,132,000 | 268,962,000 |
| Equity capital | 152,646,000 | 159,132,000 | 166,047,000 | 172,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,785,000 | 44,562,000 | 68,453,000 | 92,138,000 |
| Interest expense | 9,572,000 | 19,264,000 | 29,226,000 | 38,728,000 |
| Net interest income | 12,213,000 | 25,298,000 | 39,227,000 | 53,410,000 |
| Noninterest income | 1,046,000 | 2,755,000 | 3,975,000 | 5,219,000 |
| Noninterest expense | 7,581,000 | 15,079,000 | 22,813,000 | 32,531,000 |
| Provision for loan losses | 506,000 | 1,655,000 | 2,132,000 | 2,688,000 |
| Pretax income | 5,039,000 | 11,176,000 | 18,148,000 | 23,252,000 |
| Income tax | 967,000 | 2,122,000 | 3,459,000 | 4,261,000 |
| Net income | 4,072,000 | 9,054,000 | 14,689,000 | 18,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,278,000 | 167,894,000 | 172,262,000 | 176,650,000 |
| Total capital | 179,217,000 | 183,607,000 | 188,711,000 | 193,728,000 |
| Risk-weighted assets | 1,522,149,000 | 1,546,336,000 | 1,568,911,000 | 1,571,945,000 |