Call reports 2006
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2006
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,197,000 | 25,040,000 | 26,523,000 | 27,111,000 |
| Total loans | 19,731,000 | 20,700,000 | 21,081,000 | 22,480,000 |
| Allowance for loan losses | 71,000 | 73,000 | 76,000 | 79,000 |
| Securities available for sale | 1,966,000 | 1,936,000 | 1,968,000 | 1,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,495,000 | 20,991,000 | 22,140,000 | 22,162,000 |
| Interest-bearing deposits | 17,970,000 | 17,728,000 | 18,382,000 | 18,505,000 |
| Noninterest-bearing deposits | 3,525,000 | 3,263,000 | 3,758,000 | 3,657,000 |
| Equity capital | 3,664,000 | 3,710,000 | 3,771,000 | 3,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 750,000 | 1,169,000 | 1,615,000 |
| Interest expense | 65,000 | 136,000 | 228,000 | 334,000 |
| Net interest income | 296,000 | 614,000 | 941,000 | 1,281,000 |
| Noninterest income | 48,000 | 99,000 | 151,000 | 210,000 |
| Noninterest expense | 275,000 | 549,000 | 861,000 | 1,227,000 |
| Provision for loan losses | 0 | 3,000 | 6,000 | 9,000 |
| Pretax income | 69,000 | 158,000 | 222,000 | 252,000 |
| Income tax | 9,000 | 37,000 | 62,000 | 69,000 |
| Net income | 60,000 | 121,000 | 160,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,662,000 | 3,722,000 | 3,762,000 | 3,784,000 |
| Total capital | 3,733,000 | 3,795,000 | 3,838,000 | 3,863,000 |
| Risk-weighted assets | 14,858,000 | 16,100,000 | 16,572,000 | 17,802,000 |