Call reports 2025
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2025
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 56,732,000 | 59,716,000 | 61,580,000 | 56,113,000 |
| Total loans | 36,023,000 | 37,269,000 | 38,198,000 | 39,013,000 |
| Allowance for loan losses | 350,000 | 350,000 | 349,000 | 350,000 |
| Securities available for sale | 13,312,000 | 12,859,000 | 12,259,000 | 10,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,478,000 | 52,282,000 | 53,890,000 | 48,336,000 |
| Interest-bearing deposits | 35,887,000 | 38,263,000 | 40,291,000 | 35,604,000 |
| Noninterest-bearing deposits | 13,591,000 | 14,019,000 | 13,599,000 | 12,732,000 |
| Equity capital | 6,985,000 | 7,181,000 | 7,412,000 | 7,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 658,000 | 1,384,000 | 2,146,000 | 2,925,000 |
| Interest expense | 141,000 | 285,000 | 432,000 | 592,000 |
| Net interest income | 517,000 | 1,099,000 | 1,714,000 | 2,333,000 |
| Noninterest income | 85,000 | 169,000 | 254,000 | 345,000 |
| Noninterest expense | 448,000 | 953,000 | 1,471,000 | 2,083,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 325,000 | 503,000 | 605,000 |
| Income tax | 33,000 | 66,000 | 99,000 | 117,000 |
| Net income | 129,000 | 259,000 | 404,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,599,000 | 7,697,000 | 7,802,000 | 7,846,000 |