Call reports 2011

WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2011

Name: WATERFORD COMMERCIAL AND SAVINGS BANK, THE — FFIEC call report 2011
Creator: WATERFORD COMMERCIAL AND SAVINGS BANK, THE

What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.

PERIOD: 2011SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c5be276a-e4d2-4ed6-8250-dbfff8f06468/2011

Balance sheet

What the bank holds and owes at quarter end

Measure	2011Q1	2011Q2	2011Q3	2011Q4
Total assets	42,860,000	44,450,000	45,657,000	44,563,000
Total loans	23,194,000	23,023,000	23,846,000	23,400,000
Allowance for loan losses	216,000	219,000	217,000	217,000
Securities available for sale	7,485,000	9,241,000	8,108,000	7,951,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	38,420,000	39,814,000	40,948,000	39,817,000
Interest-bearing deposits	32,176,000	34,022,000	35,036,000	33,196,000
Noninterest-bearing deposits	6,244,000	5,792,000	5,912,000	6,621,000
Equity capital	4,339,000	4,481,000	4,530,000	4,544,000

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

Measure	2011Q1	2011Q2	2011Q3	2011Q4
Interest income	458,000	928,000	1,404,000	1,880,000
Interest expense	103,000	210,000	312,000	407,000
Net interest income	355,000	718,000	1,092,000	1,473,000
Noninterest income	71,000	158,000	237,000	329,000
Noninterest expense	352,000	698,000	1,074,000	1,474,000
Provision for loan losses	3,000	6,000	6,000	6,000
Pretax income	71,000	172,000	250,000	323,000
Income tax	11,000	43,000	67,000	83,000
Net income	60,000	129,000	183,000	240,000

Basel measures — not reported for every quarter

Measure	2011Q1	2011Q2	2011Q3	2011Q4
Tier 1 capital	4,354,000	4,423,000	4,440,000	4,447,000
Total capital	4,570,000	4,642,000	4,657,000	4,664,000
Risk-weighted assets	20,325,000	20,837,000	21,100,000	20,617,000