Call reports 2003
WATERTOWN SAVINGS BANK — 2003
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,037,957,000 | 1,093,970,000 | 1,072,226,000 | 1,083,875,000 |
| Total loans | 393,229,000 | 382,971,000 | 387,294,000 | 381,952,000 |
| Allowance for loan losses | 3,079,000 | 3,140,000 | 3,140,000 | 3,164,000 |
| Securities available for sale | 577,371,000 | 645,036,000 | 619,658,000 | 631,808,000 |
| Securities held to maturity | 27,343,000 | 23,289,000 | 20,082,000 | 17,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 853,065,000 | 870,050,000 | 886,131,000 | 895,668,000 |
| Interest-bearing deposits | 813,692,000 | 828,511,000 | 841,919,000 | 855,872,000 |
| Noninterest-bearing deposits | 39,373,000 | 41,539,000 | 44,212,000 | 39,796,000 |
| Equity capital | 75,804,000 | 76,758,000 | 76,102,000 | 76,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 11,251,000 | 21,793,000 | 32,118,000 | 42,246,000 |
| Interest expense | 4,682,000 | 9,215,000 | 13,376,000 | 17,411,000 |
| Net interest income | 6,569,000 | 12,578,000 | 18,742,000 | 24,835,000 |
| Noninterest income | 495,000 | 924,000 | 1,398,000 | 2,022,000 |
| Noninterest expense | 4,338,000 | 8,572,000 | 12,877,000 | 17,151,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 3,069,000 | 6,475,000 | 8,942,000 | 11,385,000 |
| Income tax | 1,045,000 | 2,205,000 | 3,082,000 | 3,866,000 |
| Net income | 2,024,000 | 4,270,000 | 5,860,000 | 7,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,258,000 | 74,427,000 | 75,427,000 | 76,787,000 |
| Total capital | 75,377,000 | 77,567,000 | 78,567,000 | 79,951,000 |
| Risk-weighted assets | 412,275,000 | 425,537,000 | 441,507,000 | 431,923,000 |
Machine access — free, no API key
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