Call reports 2018
WATERTOWN SAVINGS BANK — 2018
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,174,275,000 | 1,168,836,000 | 1,163,817,000 | 1,184,318,000 |
| Total loans | 587,327,000 | 591,048,000 | 589,495,000 | 599,998,000 |
| Allowance for loan losses | 3,201,000 | 3,238,000 | 3,281,000 | 3,323,000 |
| Securities available for sale | 301,528,000 | 286,269,000 | 284,804,000 | 295,876,000 |
| Securities held to maturity | 165,248,000 | 162,460,000 | 162,625,000 | 160,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,032,344,000 | 1,025,846,000 | 1,034,956,000 | 1,050,601,000 |
| Interest-bearing deposits | 957,478,000 | 946,718,000 | 952,739,000 | 968,973,000 |
| Noninterest-bearing deposits | 74,866,000 | 79,128,000 | 82,217,000 | 81,628,000 |
| Equity capital | 117,235,000 | 117,894,000 | 119,025,000 | 123,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,116,000 | 16,435,000 | 25,058,000 | 33,978,000 |
| Interest expense | 550,000 | 1,136,000 | 1,848,000 | 2,800,000 |
| Net interest income | 7,566,000 | 15,299,000 | 23,210,000 | 31,178,000 |
| Noninterest income | 918,000 | 1,779,000 | 2,667,000 | 3,742,000 |
| Noninterest expense | 6,870,000 | 13,747,000 | 21,069,000 | 27,977,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 205,000 |
| Pretax income | 2,743,000 | 4,414,000 | 5,846,000 | 7,911,000 |
| Income tax | 754,000 | 1,206,000 | 883,000 | 1,393,000 |
| Net income | 1,989,000 | 3,208,000 | 4,963,000 | 6,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,860,000 | 126,127,000 | 127,882,000 | 129,435,000 |
| Total capital | 128,061,000 | 129,365,000 | 131,163,000 | 132,758,000 |
| Risk-weighted assets | 549,439,000 | 548,710,000 | 545,439,000 | 552,794,000 |