Call reports 2010
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2010
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 38,179,000 | 39,400,000 | 41,662,000 | 41,732,000 |
| Total loans | 24,768,000 | 24,922,000 | 24,190,000 | 23,725,000 |
| Allowance for loan losses | 206,000 | 220,000 | 232,000 | 230,000 |
| Securities available for sale | 3,880,000 | 4,924,000 | 4,011,000 | 5,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,764,000 | 34,872,000 | 37,113,000 | 37,303,000 |
| Interest-bearing deposits | 29,156,000 | 30,276,000 | 32,306,000 | 32,162,000 |
| Noninterest-bearing deposits | 4,608,000 | 4,596,000 | 4,807,000 | 5,141,000 |
| Equity capital | 4,290,000 | 4,372,000 | 4,386,000 | 4,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 471,000 | 955,000 | 1,435,000 | 1,900,000 |
| Interest expense | 113,000 | 234,000 | 352,000 | 470,000 |
| Net interest income | 358,000 | 721,000 | 1,083,000 | 1,430,000 |
| Noninterest income | 72,000 | 151,000 | 243,000 | 332,000 |
| Noninterest expense | 347,000 | 694,000 | 1,052,000 | 1,432,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 71,000 | 154,000 | 238,000 | 282,000 |
| Income tax | 11,000 | 37,000 | 69,000 | 98,000 |
| Net income | 60,000 | 117,000 | 169,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,258,000 | 4,315,000 | 4,330,000 | 4,295,000 |
| Total capital | 4,464,000 | 4,535,000 | 4,562,000 | 4,525,000 |
| Risk-weighted assets | 20,664,000 | 20,681,000 | 20,583,000 | 20,208,000 |