Call reports 2026
WATERFORD COMMERCIAL AND SAVINGS BANK, THE — 2026
What WATERFORD COMMERCIAL AND SAVINGS BANK, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 54,397,000 | 60,021,000 |
| Total loans | 39,441,000 | 41,125,000 |
| Allowance for loan losses | 375,000 | 375,000 |
| Securities available for sale | 8,443,000 | 8,451,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 46,586,000 | 52,128,000 |
| Interest-bearing deposits | 34,651,000 | 39,095,000 |
| Noninterest-bearing deposits | 11,935,000 | 13,033,000 |
| Equity capital | 7,560,000 | 7,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 733,000 | 1,527,000 |
| Interest expense | 157,000 | 332,000 |
| Net interest income | 576,000 | 1,195,000 |
| Noninterest income | 84,000 | 173,000 |
| Noninterest expense | 523,000 | 1,078,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 123,000 | 282,000 |
| Income tax | 29,000 | 56,000 |
| Net income | 94,000 | 226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 7,900,000 | 7,992,000 |