Call reports 2011
WATERTOWN SAVINGS BANK — 2011
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,031,214,000 | 1,047,184,000 | 1,050,224,000 | 1,063,248,000 |
| Total loans | 582,372,000 | 573,165,000 | 560,528,000 | 551,287,000 |
| Allowance for loan losses | 3,492,000 | 3,576,000 | 3,538,000 | 3,510,000 |
| Securities available for sale | 358,476,000 | 383,148,000 | 395,142,000 | 418,705,000 |
| Securities held to maturity | 5,237,000 | 5,010,000 | 4,807,000 | 4,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 927,369,000 | 937,982,000 | 936,388,000 | 946,954,000 |
| Interest-bearing deposits | 875,673,000 | 880,373,000 | 878,948,000 | 887,868,000 |
| Noninterest-bearing deposits | 51,696,000 | 57,609,000 | 57,440,000 | 59,086,000 |
| Equity capital | 86,133,000 | 90,460,000 | 93,422,000 | 95,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,160,000 | 20,231,000 | 29,833,000 | 39,182,000 |
| Interest expense | 1,782,000 | 3,492,000 | 5,120,000 | 6,683,000 |
| Net interest income | 8,378,000 | 16,739,000 | 24,713,000 | 32,499,000 |
| Noninterest income | 1,012,000 | 1,809,000 | 2,634,000 | 3,412,000 |
| Noninterest expense | 5,710,000 | 11,217,000 | 16,515,000 | 22,550,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 400,000 |
| Pretax income | 3,460,000 | 6,049,000 | 10,038,000 | 12,489,000 |
| Income tax | 1,311,000 | 2,109,000 | 3,297,000 | 4,089,000 |
| Net income | 2,149,000 | 3,940,000 | 6,741,000 | 8,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,201,000 | 88,328,000 | 90,917,000 | 92,193,000 |
| Total capital | 89,693,000 | 91,904,000 | 94,455,000 | 95,703,000 |
| Risk-weighted assets | 480,298,000 | 474,972,000 | 459,411,000 | 460,886,000 |