Call reports 2014
WATERTOWN SAVINGS BANK — 2014
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,081,859,000 | 1,089,655,000 | 1,100,218,000 | 1,104,660,000 |
| Total loans | 528,770,000 | 525,825,000 | 530,691,000 | 529,663,000 |
| Allowance for loan losses | 3,192,000 | 3,222,000 | 3,253,000 | 3,240,000 |
| Securities available for sale | 221,474,000 | 225,189,000 | 245,705,000 | 265,621,000 |
| Securities held to maturity | 238,985,000 | 234,921,000 | 221,200,000 | 216,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,490,000 | 967,231,000 | 977,352,000 | 979,561,000 |
| Interest-bearing deposits | 895,248,000 | 889,099,000 | 897,787,000 | 900,554,000 |
| Noninterest-bearing deposits | 66,242,000 | 78,132,000 | 79,565,000 | 79,007,000 |
| Equity capital | 102,120,000 | 103,843,000 | 104,882,000 | 106,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,567,000 | 15,041,000 | 22,498,000 | 30,048,000 |
| Interest expense | 737,000 | 1,428,000 | 2,081,000 | 2,721,000 |
| Net interest income | 6,830,000 | 13,613,000 | 20,417,000 | 27,327,000 |
| Noninterest income | 1,028,000 | 2,020,000 | 2,932,000 | 3,840,000 |
| Noninterest expense | 5,917,000 | 11,833,000 | 17,915,000 | 24,224,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,941,000 | 3,861,000 | 5,706,000 | 7,215,000 |
| Income tax | 632,000 | 1,248,000 | 1,776,000 | 2,206,000 |
| Net income | 1,309,000 | 2,613,000 | 3,930,000 | 5,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,974,000 | 104,299,000 | 105,601,000 | 106,718,000 |
| Total capital | 106,166,000 | 107,521,000 | 108,854,000 | 109,958,000 |
| Risk-weighted assets | 486,103,000 | 484,649,000 | 490,739,000 | 495,254,000 |