Call reports 2013
WATERTOWN SAVINGS BANK — 2013
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,097,335,000 | 1,099,260,000 | 1,098,980,000 | 1,094,555,000 |
| Total loans | 524,081,000 | 520,549,000 | 528,017,000 | 530,569,000 |
| Allowance for loan losses | 3,260,000 | 3,259,000 | 3,209,000 | 3,198,000 |
| Securities available for sale | 474,625,000 | 483,191,000 | 479,472,000 | 218,486,000 |
| Securities held to maturity | 3,023,000 | 2,619,000 | 3,453,000 | 241,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 974,388,000 | 978,612,000 | 982,695,000 | 975,514,000 |
| Interest-bearing deposits | 910,693,000 | 910,566,000 | 912,530,000 | 910,798,000 |
| Noninterest-bearing deposits | 63,695,000 | 68,046,000 | 70,165,000 | 64,716,000 |
| Equity capital | 100,531,000 | 96,144,000 | 98,657,000 | 100,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,936,000 | 15,629,000 | 23,215,000 | 30,886,000 |
| Interest expense | 1,319,000 | 2,596,000 | 3,786,000 | 4,631,000 |
| Net interest income | 6,617,000 | 13,033,000 | 19,429,000 | 26,255,000 |
| Noninterest income | 966,000 | 1,837,000 | 2,976,000 | 3,867,000 |
| Noninterest expense | 6,356,000 | 12,405,000 | 18,472,000 | 24,951,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 1,227,000 | 2,465,000 | 3,936,000 | 5,149,000 |
| Income tax | -71,000 | 301,000 | 769,000 | 1,146,000 |
| Net income | 1,298,000 | 2,164,000 | 3,167,000 | 4,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,597,000 | 98,093,000 | 100,403,000 | 101,713,000 |
| Total capital | 100,857,000 | 101,352,000 | 103,612,000 | 104,911,000 |
| Risk-weighted assets | 477,279,000 | 486,063,000 | 488,723,000 | 489,432,000 |