Call reports 2004
WATERTOWN SAVINGS BANK — 2004
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,086,496,000 | 1,131,955,000 | 1,162,515,000 | 1,177,975,000 |
| Total loans | 388,342,000 | 398,816,000 | 408,297,000 | 414,150,000 |
| Allowance for loan losses | 3,158,000 | 3,158,000 | 3,155,000 | 3,152,000 |
| Securities available for sale | 603,787,000 | 585,739,000 | 603,436,000 | 629,426,000 |
| Securities held to maturity | 38,714,000 | 94,416,000 | 93,135,000 | 82,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 896,443,000 | 934,279,000 | 952,047,000 | 965,602,000 |
| Interest-bearing deposits | 856,662,000 | 889,267,000 | 906,275,000 | 924,133,000 |
| Noninterest-bearing deposits | 39,781,000 | 45,012,000 | 45,772,000 | 41,469,000 |
| Equity capital | 79,358,000 | 76,179,000 | 78,959,000 | 79,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,197,000 | 20,504,000 | 31,164,000 | 42,214,000 |
| Interest expense | 3,995,000 | 8,107,000 | 12,495,000 | 17,166,000 |
| Net interest income | 6,202,000 | 12,397,000 | 18,669,000 | 25,048,000 |
| Noninterest income | 456,000 | 897,000 | 1,390,000 | 2,072,000 |
| Noninterest expense | 4,553,000 | 8,951,000 | 13,519,000 | 18,580,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,976,000 | 5,154,000 | 7,351,000 | 9,355,000 |
| Income tax | 639,000 | 1,720,000 | 2,221,000 | 2,792,000 |
| Net income | 1,337,000 | 3,434,000 | 5,130,000 | 6,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,308,000 | 79,157,000 | 80,486,000 | 81,645,000 |
| Total capital | 81,466,000 | 82,315,000 | 83,641,000 | 84,797,000 |
| Risk-weighted assets | 470,958,000 | 475,971,000 | 495,974,000 | 501,737,000 |
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