Call reports 2008
WATERTOWN SAVINGS BANK — 2008
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,326,736,000 | 1,302,825,000 | 1,232,069,000 | 1,182,657,000 |
| Total loans | 652,454,000 | 656,553,000 | 658,258,000 | 658,195,000 |
| Allowance for loan losses | 3,063,000 | 3,089,000 | 3,108,000 | 3,065,000 |
| Securities available for sale | 594,721,000 | 446,178,000 | 381,188,000 | 297,299,000 |
| Securities held to maturity | 0 | 78,873,000 | 76,197,000 | 74,566,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,221,227,000 | 1,211,918,000 | 1,137,676,000 | 1,083,430,000 |
| Interest-bearing deposits | 1,172,539,000 | 1,158,297,000 | 1,089,439,000 | 1,038,730,000 |
| Noninterest-bearing deposits | 48,688,000 | 53,621,000 | 48,237,000 | 44,700,000 |
| Equity capital | 91,455,000 | 76,980,000 | 77,987,000 | 80,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 17,381,000 | 34,334,000 | 50,662,000 | 65,662,000 |
| Interest expense | 10,932,000 | 20,783,000 | 29,015,000 | 35,807,000 |
| Net interest income | 6,449,000 | 13,551,000 | 21,647,000 | 29,855,000 |
| Noninterest income | 840,000 | 1,565,000 | 2,431,000 | 3,677,000 |
| Noninterest expense | 5,564,000 | 11,317,000 | 17,116,000 | 23,988,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,708,000 | -11,908,000 | -12,563,000 | -11,151,000 |
| Income tax | 536,000 | 1,165,000 | 2,198,000 | 2,035,000 |
| Net income | 1,172,000 | -13,073,000 | -14,761,000 | -13,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,431,000 | 78,365,000 | 79,747,000 | 79,555,000 |
| Total capital | 89,494,000 | 81,454,000 | 82,854,000 | 82,620,000 |
| Risk-weighted assets | 634,668,000 | 587,870,000 | 557,708,000 | 587,109,000 |
Machine access — free, no API key
Every figure shown here about WATERTOWN SAVINGS BANK — 2008 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.