Call reports 2001

WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2001

Name: WATERFORD COMMERCIAL AND SAVINGS BANK, THE — FFIEC call report 2001
Creator: WATERFORD COMMERCIAL AND SAVINGS BANK, THE

What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.

PERIOD: 2001SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c5be276a-e4d2-4ed6-8250-dbfff8f06468/2001

Balance sheet

What the bank holds and owes at quarter end

Measure	2001Q1	2001Q2	2001Q3	2001Q4
Total assets	29,946,000	30,098,000	30,307,000	31,219,000
Total loans	21,522,000	21,155,000	21,389,000	21,381,000
Allowance for loan losses	166,000	168,000	163,000	158,000
Securities available for sale	1,900,000	1,798,000	1,792,000	1,411,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	23,528,000	23,632,000	23,743,000	24,771,000
Interest-bearing deposits	19,346,000	19,255,000	19,620,000	20,452,000
Noninterest-bearing deposits	4,182,000	4,377,000	4,123,000	4,319,000
Equity capital	3,252,000	3,318,000	3,356,000	3,279,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2001Q1	2001Q2	2001Q3	2001Q4
Interest income	580,000	1,173,000	1,741,000	2,278,000
Interest expense	235,000	495,000	729,000	966,000
Net interest income	345,000	678,000	1,012,000	1,312,000
Noninterest income	44,000	85,000	130,000	175,000
Noninterest expense	246,000	508,000	756,000	1,078,000
Provision for loan losses	3,000	6,000	9,000	12,000
Pretax income	140,000	249,000	377,000	397,000
Income tax	30,000	68,000	105,000	118,000
Net income	110,000	181,000	272,000	279,000

Basel measures — not reported for every quarter

Measure	2001Q1	2001Q2	2001Q3	2001Q4
Tier 1 capital	3,218,000	3,288,000	3,314,000	3,252,000
Total capital	3,384,000	3,456,000	3,477,000	3,410,000
Risk-weighted assets	17,081,000	16,662,000	16,841,000	16,974,000