Call reports 2012
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2012
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,509,000 | 45,359,000 | 48,221,000 | 48,208,000 |
| Total loans | 22,659,000 | 23,155,000 | 22,462,000 | 21,632,000 |
| Allowance for loan losses | 217,000 | 204,000 | 203,000 | 186,000 |
| Securities available for sale | 9,252,000 | 10,272,000 | 11,828,000 | 12,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,826,000 | 40,539,000 | 43,326,000 | 43,255,000 |
| Interest-bearing deposits | 34,447,000 | 33,605,000 | 35,760,000 | 34,821,000 |
| Noninterest-bearing deposits | 6,379,000 | 6,934,000 | 7,566,000 | 8,434,000 |
| Equity capital | 4,566,000 | 4,645,000 | 4,695,000 | 4,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 901,000 | 1,354,000 | 1,808,000 |
| Interest expense | 85,000 | 163,000 | 228,000 | 294,000 |
| Net interest income | 361,000 | 738,000 | 1,126,000 | 1,514,000 |
| Noninterest income | 78,000 | 156,000 | 232,000 | 320,000 |
| Noninterest expense | 363,000 | 754,000 | 1,073,000 | 1,437,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 6,000 |
| Pretax income | 76,000 | 140,000 | 282,000 | 392,000 |
| Income tax | 3,000 | 21,000 | 70,000 | 103,000 |
| Net income | 73,000 | 119,000 | 212,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,519,000 | 4,565,000 | 4,621,000 | 4,636,000 |
| Total capital | 4,736,000 | 4,769,000 | 4,824,000 | 4,822,000 |
| Risk-weighted assets | 20,437,000 | 21,299,000 | 21,070,000 | 20,712,000 |