Call reports 2015
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2015
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,281,000 | 43,258,000 | 43,514,000 | 41,749,000 |
| Total loans | 19,806,000 | 20,162,000 | 20,028,000 | 19,318,000 |
| Allowance for loan losses | 145,000 | 148,000 | 110,000 | 107,000 |
| Securities available for sale | 19,218,000 | 18,349,000 | 15,598,000 | 14,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,819,000 | 36,973,000 | 37,976,000 | 36,139,000 |
| Interest-bearing deposits | 32,139,000 | 29,958,000 | 30,827,000 | 28,520,000 |
| Noninterest-bearing deposits | 7,680,000 | 7,015,000 | 7,149,000 | 7,619,000 |
| Equity capital | 5,245,000 | 5,062,000 | 5,313,000 | 5,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 822,000 | 1,234,000 | 1,629,000 |
| Interest expense | 24,000 | 49,000 | 72,000 | 99,000 |
| Net interest income | 383,000 | 773,000 | 1,162,000 | 1,530,000 |
| Noninterest income | 74,000 | 154,000 | 236,000 | 311,000 |
| Noninterest expense | 343,000 | 709,000 | 1,041,000 | 1,427,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 111,000 | 212,000 | 348,000 | 402,000 |
| Income tax | 14,000 | 41,000 | 80,000 | 89,000 |
| Net income | 97,000 | 171,000 | 268,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,227,000 | 5,278,000 | 5,357,000 | 5,378,000 |
| Total capital | 5,372,000 | 5,426,000 | 5,467,000 | 5,485,000 |
| Risk-weighted assets | 21,448,000 | 20,852,000 | 20,765,000 | 19,643,000 |