Call reports 2005
WATERTOWN SAVINGS BANK — 2005
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,180,602,000 | 1,179,394,000 | 1,184,874,000 | 1,173,878,000 |
| Total loans | 423,857,000 | 439,059,000 | 473,607,000 | 480,963,000 |
| Allowance for loan losses | 3,148,000 | 3,143,000 | 3,141,000 | 3,153,000 |
| Securities available for sale | 612,478,000 | 599,113,000 | 565,181,000 | 542,344,000 |
| Securities held to maturity | 81,480,000 | 80,584,000 | 79,976,000 | 79,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,253,000 | 984,626,000 | 1,009,973,000 | 1,018,566,000 |
| Interest-bearing deposits | 925,452,000 | 928,082,000 | 958,891,000 | 973,424,000 |
| Noninterest-bearing deposits | 43,801,000 | 56,544,000 | 51,082,000 | 45,142,000 |
| Equity capital | 78,983,000 | 78,635,000 | 78,492,000 | 79,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,389,000 | 23,341,000 | 35,809,000 | 48,722,000 |
| Interest expense | 4,926,000 | 10,474,000 | 16,656,000 | 23,370,000 |
| Net interest income | 6,463,000 | 12,867,000 | 19,153,000 | 25,352,000 |
| Noninterest income | 591,000 | 1,166,000 | 1,719,000 | 2,404,000 |
| Noninterest expense | 4,730,000 | 9,694,000 | 14,871,000 | 20,228,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 2,207,000 | 3,932,000 | 5,273,000 | 6,775,000 |
| Income tax | 809,000 | 1,382,000 | 1,841,000 | 2,269,000 |
| Net income | 1,398,000 | 2,550,000 | 3,432,000 | 4,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,498,000 | 81,931,000 | 81,786,000 | 82,479,000 |
| Total capital | 84,646,000 | 85,074,000 | 84,927,000 | 85,632,000 |
| Risk-weighted assets | 500,121,000 | 504,747,000 | 523,918,000 | 524,940,000 |
Machine access — free, no API key
Every figure shown here about WATERTOWN SAVINGS BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.