Call reports 2010
WATERTOWN SAVINGS BANK — 2010
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,058,663,000 | 1,068,503,000 | 1,055,668,000 | 1,041,088,000 |
| Total loans | 618,636,000 | 622,091,000 | 611,180,000 | 592,585,000 |
| Allowance for loan losses | 3,179,000 | 3,038,000 | 3,137,000 | 3,384,000 |
| Securities available for sale | 289,845,000 | 316,803,000 | 316,133,000 | 355,344,000 |
| Securities held to maturity | 40,762,000 | 36,013,000 | 32,186,000 | 5,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 954,241,000 | 955,930,000 | 950,886,000 | 936,957,000 |
| Interest-bearing deposits | 906,481,000 | 905,978,000 | 899,086,000 | 886,825,000 |
| Noninterest-bearing deposits | 47,760,000 | 49,952,000 | 51,800,000 | 50,132,000 |
| Equity capital | 81,684,000 | 83,936,000 | 86,815,000 | 84,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,598,000 | 23,143,000 | 34,236,000 | 44,940,000 |
| Interest expense | 2,439,000 | 4,825,000 | 7,172,000 | 9,240,000 |
| Net interest income | 9,159,000 | 18,318,000 | 27,064,000 | 35,700,000 |
| Noninterest income | 1,014,000 | 1,798,000 | 2,719,000 | 3,656,000 |
| Noninterest expense | 5,671,000 | 11,411,000 | 17,049,000 | 23,588,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 570,000 |
| Pretax income | 1,393,000 | 4,428,000 | 3,984,000 | -1,118,000 |
| Income tax | 711,000 | 1,972,000 | 542,000 | -1,569,000 |
| Net income | 682,000 | 2,456,000 | 3,442,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,214,000 | 85,206,000 | 87,258,000 | 82,170,000 |
| Total capital | 87,393,000 | 88,244,000 | 90,395,000 | 85,554,000 |
| Risk-weighted assets | 628,565,000 | 612,571,000 | 584,852,000 | 523,419,000 |