Call reports 2016
WATERTOWN SAVINGS BANK — 2016
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,119,813,000 | 1,130,762,000 | 1,143,762,000 | 1,146,615,000 |
| Total loans | 554,447,000 | 561,993,000 | 557,707,000 | 556,919,000 |
| Allowance for loan losses | 3,223,000 | 3,217,000 | 3,214,000 | 3,212,000 |
| Securities available for sale | 295,073,000 | 290,832,000 | 277,907,000 | 303,638,000 |
| Securities held to maturity | 177,760,000 | 177,348,000 | 166,030,000 | 157,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 991,021,000 | 999,990,000 | 1,010,170,000 | 1,013,293,000 |
| Interest-bearing deposits | 920,230,000 | 920,240,000 | 931,157,000 | 938,459,000 |
| Noninterest-bearing deposits | 70,791,000 | 79,750,000 | 79,013,000 | 74,834,000 |
| Equity capital | 111,124,000 | 112,502,000 | 110,832,000 | 109,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,635,000 | 15,095,000 | 22,575,000 | 29,878,000 |
| Interest expense | 525,000 | 1,048,000 | 1,570,000 | 2,076,000 |
| Net interest income | 7,110,000 | 14,047,000 | 21,005,000 | 27,802,000 |
| Noninterest income | 921,000 | 1,749,000 | 2,607,000 | 3,578,000 |
| Noninterest expense | 6,488,000 | 12,994,000 | 19,694,000 | 26,770,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,574,000 | 2,970,000 | 4,086,000 | 4,778,000 |
| Income tax | 583,000 | 1,101,000 | 1,521,000 | 1,677,000 |
| Net income | 991,000 | 1,869,000 | 2,565,000 | 3,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,974,000 | 113,852,000 | 114,548,000 | 115,083,000 |
| Total capital | 116,197,000 | 117,069,000 | 117,762,000 | 118,295,000 |
| Risk-weighted assets | 512,847,000 | 517,979,000 | 510,225,000 | 515,077,000 |