Call reports 2015
WATERTOWN SAVINGS BANK — 2015
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,100,040,000 | 1,099,436,000 | 1,109,740,000 | 1,123,743,000 |
| Total loans | 526,328,000 | 533,597,000 | 540,432,000 | 546,210,000 |
| Allowance for loan losses | 3,240,000 | 3,239,000 | 3,236,000 | 3,227,000 |
| Securities available for sale | 270,351,000 | 271,728,000 | 283,673,000 | 293,535,000 |
| Securities held to maturity | 211,322,000 | 200,908,000 | 191,734,000 | 189,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 973,295,000 | 971,985,000 | 979,173,000 | 997,820,000 |
| Interest-bearing deposits | 907,452,000 | 896,997,000 | 904,172,000 | 923,850,000 |
| Noninterest-bearing deposits | 65,843,000 | 74,988,000 | 75,001,000 | 73,970,000 |
| Equity capital | 108,270,000 | 108,865,000 | 108,988,000 | 108,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,383,000 | 14,643,000 | 21,960,000 | 29,407,000 |
| Interest expense | 571,000 | 1,110,000 | 1,648,000 | 2,189,000 |
| Net interest income | 6,812,000 | 13,533,000 | 20,312,000 | 27,218,000 |
| Noninterest income | 976,000 | 1,876,000 | 2,874,000 | 3,764,000 |
| Noninterest expense | 6,396,000 | 12,538,000 | 18,893,000 | 25,315,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,392,000 | 2,871,000 | 4,344,000 | 5,718,000 |
| Income tax | 419,000 | 884,000 | 1,374,000 | 1,813,000 |
| Net income | 973,000 | 1,987,000 | 2,970,000 | 3,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,050,000 | 110,064,000 | 111,047,000 | 111,981,000 |
| Total capital | 112,290,000 | 113,303,000 | 114,283,000 | 115,208,000 |
| Risk-weighted assets | 493,969,000 | 498,219,000 | 502,368,000 | 509,818,000 |