Call reports 2017
WATERTOWN SAVINGS BANK — 2017
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,155,620,000 | 1,166,022,000 | 1,165,983,000 | 1,178,449,000 |
| Total loans | 561,035,000 | 560,529,000 | 570,528,000 | 578,650,000 |
| Allowance for loan losses | 3,212,000 | 3,213,000 | 3,211,000 | 3,157,000 |
| Securities available for sale | 319,243,000 | 321,334,000 | 320,859,000 | 308,699,000 |
| Securities held to maturity | 160,621,000 | 166,559,000 | 166,986,000 | 167,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,013,289,000 | 1,022,129,000 | 1,020,735,000 | 1,034,870,000 |
| Interest-bearing deposits | 936,775,000 | 944,960,000 | 944,216,000 | 959,392,000 |
| Noninterest-bearing deposits | 76,514,000 | 77,169,000 | 76,519,000 | 75,478,000 |
| Equity capital | 116,709,000 | 117,889,000 | 120,424,000 | 117,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,570,000 | 15,232,000 | 23,093,000 | 31,031,000 |
| Interest expense | 481,000 | 954,000 | 1,471,000 | 2,015,000 |
| Net interest income | 7,089,000 | 14,278,000 | 21,622,000 | 29,016,000 |
| Noninterest income | 903,000 | 1,714,000 | 2,625,000 | 3,626,000 |
| Noninterest expense | 7,257,000 | 13,864,000 | 20,505,000 | 27,759,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,358,000 | 13,710,000 | 15,324,000 | 16,424,000 |
| Income tax | 4,894,000 | 5,381,000 | 5,977,000 | 9,657,000 |
| Net income | 7,464,000 | 8,329,000 | 9,347,000 | 6,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,162,000 | 123,319,000 | 124,321,000 | 122,775,000 |
| Total capital | 125,374,000 | 126,532,000 | 127,532,000 | 125,932,000 |
| Risk-weighted assets | 528,332,000 | 533,095,000 | 536,755,000 | 539,903,000 |