Call reports 2007
WATERTOWN SAVINGS BANK — 2007
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,220,973,000 | 1,246,773,000 | 1,280,530,000 | 1,291,723,000 |
| Total loans | 555,576,000 | 582,287,000 | 617,423,000 | 636,251,000 |
| Allowance for loan losses | 3,145,000 | 3,147,000 | 3,022,000 | 3,033,000 |
| Securities available for sale | 534,963,000 | 567,009,000 | 587,252,000 | 584,704,000 |
| Securities held to maturity | 47,576,000 | 27,304,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,122,930,000 | 1,149,809,000 | 1,179,991,000 | 1,187,864,000 |
| Interest-bearing deposits | 1,073,606,000 | 1,097,322,000 | 1,130,112,000 | 1,145,567,000 |
| Noninterest-bearing deposits | 49,324,000 | 52,487,000 | 49,879,000 | 42,297,000 |
| Equity capital | 86,225,000 | 84,353,000 | 87,255,000 | 89,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,701,000 | 32,151,000 | 49,239,000 | 66,647,000 |
| Interest expense | 9,503,000 | 19,573,000 | 30,269,000 | 41,430,000 |
| Net interest income | 6,198,000 | 12,578,000 | 18,970,000 | 25,217,000 |
| Noninterest income | 640,000 | 1,268,000 | 1,918,000 | 2,662,000 |
| Noninterest expense | 5,483,000 | 11,084,000 | 16,521,000 | 22,353,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 1,383,000 | 2,826,000 | 3,882,000 | 5,130,000 |
| Income tax | 453,000 | 937,000 | 1,299,000 | 1,684,000 |
| Net income | 930,000 | 1,889,000 | 2,583,000 | 3,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,342,000 | 87,060,000 | 87,954,000 | 87,534,000 |
| Total capital | 90,487,000 | 90,207,000 | 90,976,000 | 90,567,000 |
| Risk-weighted assets | 561,395,000 | 575,418,000 | 590,225,000 | 602,259,000 |
Machine access — free, no API key
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