Call reports 2012
WATERTOWN SAVINGS BANK — 2012
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,067,096,000 | 1,072,671,000 | 1,069,894,000 | 1,094,829,000 |
| Total loans | 547,123,000 | 542,095,000 | 535,177,000 | 530,725,000 |
| Allowance for loan losses | 3,468,000 | 3,400,000 | 3,368,000 | 3,295,000 |
| Securities available for sale | 428,531,000 | 433,889,000 | 446,056,000 | 463,804,000 |
| Securities held to maturity | 4,420,000 | 4,072,000 | 3,743,000 | 3,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 947,233,000 | 950,940,000 | 948,176,000 | 972,530,000 |
| Interest-bearing deposits | 891,958,000 | 891,736,000 | 885,321,000 | 907,550,000 |
| Noninterest-bearing deposits | 55,275,000 | 59,204,000 | 62,855,000 | 64,980,000 |
| Equity capital | 98,314,000 | 99,578,000 | 100,623,000 | 99,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,076,000 | 17,865,000 | 26,404,000 | 34,650,000 |
| Interest expense | 1,508,000 | 3,005,000 | 4,448,000 | 5,836,000 |
| Net interest income | 7,568,000 | 14,860,000 | 21,956,000 | 28,814,000 |
| Noninterest income | 998,000 | 1,871,000 | 2,697,000 | 3,565,000 |
| Noninterest expense | 5,831,000 | 11,678,000 | 17,622,000 | 24,127,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,797,000 | 5,129,000 | 7,257,000 | 8,478,000 |
| Income tax | 1,000,000 | 1,723,000 | 2,409,000 | 2,801,000 |
| Net income | 1,797,000 | 3,406,000 | 4,848,000 | 5,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,785,000 | 95,267,000 | 96,786,000 | 96,323,000 |
| Total capital | 97,253,000 | 98,667,000 | 100,154,000 | 99,618,000 |
| Risk-weighted assets | 465,956,000 | 465,098,000 | 466,836,000 | 473,020,000 |