Call reports 2018

WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2018

Name: WATERFORD COMMERCIAL AND SAVINGS BANK, THE — FFIEC call report 2018
Creator: WATERFORD COMMERCIAL AND SAVINGS BANK, THE

What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2018, quarter by quarter.

PERIOD: 2018SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/c5be276a-e4d2-4ed6-8250-dbfff8f06468/2018

Balance sheet

What the bank holds and owes at quarter end

Measure	2018Q1	2018Q2	2018Q3	2018Q4
Total assets	43,013,000	43,971,000	46,050,000	44,537,000
Total loans	22,892,000	24,360,000	25,688,000	26,680,000
Allowance for loan losses	124,000	124,000	115,000	144,000
Securities available for sale	13,728,000	13,622,000	13,494,000	13,183,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	37,353,000	38,263,000	40,332,000	38,624,000
Interest-bearing deposits	28,618,000	30,359,000	32,029,000	30,659,000
Noninterest-bearing deposits	8,735,000	7,904,000	8,303,000	7,965,000
Equity capital	5,564,000	5,652,000	5,667,000	5,872,000

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

Measure	2018Q1	2018Q2	2018Q3	2018Q4
Interest income	411,000	856,000	1,323,000	1,808,000
Interest expense	19,000	41,000	66,000	94,000
Net interest income	392,000	815,000	1,257,000	1,714,000
Noninterest income	80,000	159,000	247,000	334,000
Noninterest expense	386,000	739,000	1,125,000	1,525,000
Provision for loan losses	3,000	6,000	9,000	37,000
Pretax income	83,000	229,000	370,000	483,000
Income tax	12,000	37,000	61,000	80,000
Net income	71,000	192,000	309,000	403,000

Basel measures — not reported for every quarter

Measure	2018Q1	2018Q2	2018Q3	2018Q4
Tier 1 capital	5,947,000	6,046,000	6,133,000	6,197,000
Total capital	6,071,000	6,181,000	6,262,000	6,352,000
Risk-weighted assets	21,831,000	23,364,000	24,460,000	25,130,000