Call reports 2019
WATERTOWN SAVINGS BANK — 2019
What WATERTOWN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,193,393,000 | 1,228,989,000 | 1,258,344,000 | 1,274,100,000 |
| Total loans | 602,976,000 | 611,212,000 | 620,408,000 | 630,608,000 |
| Allowance for loan losses | 3,366,000 | 3,412,000 | 3,447,000 | 3,487,000 |
| Securities available for sale | 309,582,000 | 319,509,000 | 345,048,000 | 356,792,000 |
| Securities held to maturity | 146,238,000 | 156,589,000 | 160,350,000 | 170,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,058,265,000 | 1,087,160,000 | 1,114,555,000 | 1,128,346,000 |
| Interest-bearing deposits | 984,225,000 | 1,008,133,000 | 1,027,883,000 | 1,046,551,000 |
| Noninterest-bearing deposits | 74,040,000 | 79,027,000 | 86,672,000 | 81,795,000 |
| Equity capital | 126,631,000 | 130,103,000 | 126,961,000 | 128,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,172,000 | 18,591,000 | 28,152,000 | 37,599,000 |
| Interest expense | 1,223,000 | 2,763,000 | 4,523,000 | 6,268,000 |
| Net interest income | 7,949,000 | 15,828,000 | 23,629,000 | 31,331,000 |
| Noninterest income | 945,000 | 1,823,000 | 2,743,000 | 3,769,000 |
| Noninterest expense | 6,879,000 | 14,146,000 | 20,985,000 | 28,024,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,970,000 | 3,415,000 | 5,281,000 | 6,913,000 |
| Income tax | 499,000 | 830,000 | 1,264,000 | 1,568,000 |
| Net income | 1,471,000 | 2,585,000 | 4,017,000 | 5,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,907,000 | 132,021,000 | 133,454,000 | 134,781,000 |
| Total capital | 134,272,000 | 135,433,000 | 136,901,000 | 138,268,000 |
| Risk-weighted assets | 552,608,000 | 560,712,000 | 576,875,000 | 592,184,000 |