Call reports 2009
WATERTOWN SAVINGS BANK — 2009
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,153,025,000 | 1,124,787,000 | 1,083,212,000 | 1,064,084,000 |
| Total loans | 635,925,000 | 625,735,000 | 628,548,000 | 626,192,000 |
| Allowance for loan losses | 3,012,000 | 3,060,000 | 3,284,000 | 3,309,000 |
| Securities available for sale | 309,733,000 | 318,810,000 | 304,163,000 | 267,451,000 |
| Securities held to maturity | 67,367,000 | 57,367,000 | 47,706,000 | 44,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,056,215,000 | 1,028,084,000 | 987,159,000 | 965,410,000 |
| Interest-bearing deposits | 1,003,195,000 | 973,784,000 | 937,655,000 | 919,090,000 |
| Noninterest-bearing deposits | 53,020,000 | 54,300,000 | 49,504,000 | 46,320,000 |
| Equity capital | 79,026,000 | 78,318,000 | 79,105,000 | 79,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,678,000 | 26,725,000 | 39,402,000 | 51,485,000 |
| Interest expense | 5,623,000 | 10,003,000 | 13,528,000 | 16,307,000 |
| Net interest income | 8,055,000 | 16,722,000 | 25,874,000 | 35,178,000 |
| Noninterest income | 841,000 | 1,629,000 | 2,367,000 | 3,166,000 |
| Noninterest expense | 5,902,000 | 11,702,000 | 17,398,000 | 23,597,000 |
| Provision for loan losses | 30,000 | 60,000 | 290,000 | 320,000 |
| Pretax income | 2,328,000 | 3,345,000 | 4,715,000 | 5,355,000 |
| Income tax | 1,277,000 | 1,903,000 | 2,871,000 | 2,954,000 |
| Net income | 1,051,000 | 1,442,000 | 1,844,000 | 2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,607,000 | 80,438,000 | 82,612,000 | 83,384,000 |
| Total capital | 82,619,000 | 83,498,000 | 85,896,000 | 86,693,000 |
| Risk-weighted assets | 636,708,000 | 643,540,000 | 652,907,000 | 631,873,000 |