Call reports 2009

WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2009

Name: WATERFORD COMMERCIAL AND SAVINGS BANK, THE — FFIEC call report 2009
Creator: WATERFORD COMMERCIAL AND SAVINGS BANK, THE

What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.

PERIOD: 2009SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c5be276a-e4d2-4ed6-8250-dbfff8f06468/2009

Balance sheet

What the bank holds and owes at quarter end

Measure	2009Q1	2009Q2	2009Q3	2009Q4
Total assets	32,711,000	33,682,000	36,315,000	37,530,000
Total loans	25,035,000	25,375,000	24,475,000	24,580,000
Allowance for loan losses	172,000	177,000	181,000	194,000
Securities available for sale	1,934,000	2,010,000	2,517,000	3,007,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	28,334,000	29,312,000	31,934,000	33,165,000
Interest-bearing deposits	23,397,000	24,654,000	27,093,000	27,685,000
Noninterest-bearing deposits	4,937,000	4,658,000	4,841,000	5,480,000
Equity capital	4,201,000	4,217,000	4,235,000	4,218,000

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

Measure	2009Q1	2009Q2	2009Q3	2009Q4
Interest income	491,000	982,000	1,467,000	1,941,000
Interest expense	123,000	256,000	379,000	509,000
Net interest income	368,000	726,000	1,088,000	1,432,000
Noninterest income	108,000	173,000	247,000	312,000
Noninterest expense	370,000	727,000	1,090,000	1,452,000
Provision for loan losses	15,000	30,000	45,000	60,000
Pretax income	91,000	142,000	200,000	235,000
Income tax	15,000	34,000	52,000	64,000
Net income	76,000	108,000	148,000	171,000

Basel measures — not reported for every quarter

Measure	2009Q1	2009Q2	2009Q3	2009Q4
Tier 1 capital	4,153,000	4,186,000	4,200,000	4,198,000
Total capital	4,325,000	4,363,000	4,381,000	4,392,000
Risk-weighted assets	20,434,000	20,806,000	20,205,000	20,252,000